BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have had my checking and savings account accessed by hackers on XXXX different occasions. I have spent XXXX hours on hold, in branches and speaking to wells fargo employees filing claims, changing bank account numbers and checking on status of my claims. I have truly been a victim and I had to do the majority of the work to rectify this situation. It is only today, after I received information that a debit card that I did not even receive, had been used to take out XXXX XXXX dollars after it was declined at a XXXX after being flagged. I never received the debit card, yet these individuals were able to take out that large amount of money. In my previous claims these same people opened a bank account attached to my primary account and racked up thousands of dollars of purchases, transfers and bill payments to accounts that I have no connection or am aware of. I have had to have online banking services disabled, not had a debit card for more than a month now, and nothing has been done to rectify this situation on Wells Fargo 's part. Only today, after several instances of fraud, is it now at an executive level of review. I am disappointed, tired, frustrated and angry. Banks are supposed to protect customers from this type of situation, but I have been a victim of it several times. The people breaking the law have accessed my accounts more than I have in the last month. It is truly disgusting. I have had good standing with this bank for close to 30 years, and this is how I am treated. Frauded several times with no resolution but to inconvenience me and cause me extreme distress.

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 2022-06-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The inquiries listed below I have no knowledge of apply for. I was told by the banks they would remove the inquiries. I have attached letters. 

please delete inaccurate inquiries listed below : XXXX XXXX BANK XXXX XX/XX/2022 delete, XXXX XXXXXX/XX/2022 delete, XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX delete, XXXX XXXX XXXX XXXXXXXX XXXX  delete, XXXX XXXX XXXX XXXXXXXX XXXX  delete, XXXX XXXX XXXXXXXX XXXX delete, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX delete, XXXX XX/XX/2022 delete, XXXX XX/XX/2022 delete, XXXX XX/XX/2022 delete,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Due to the Equifax security breech i am attempting to freeze my reports at the various credit reporting agencies, ALL of whom have made it a herculean task. None as bad as XXXX and Equifax themselves. 

1 ) XXXX makes you register and then deems your security answers to be false when they are not. Literally locking you out of the system. They have no way for contacting them other than via phone. which is time consuming and a long wait. This is a deliberate diversion to keep you from freezing your report. Also, I suspect that given my age, XXXX, and the fact that putting a freeze on my data is suppose to be 'free ', they are deliberately discriminating. 

2 ) Equifax, the guilty party that has created all this chaos has a broken web site. AFTER you spend 20 minutes doing data entry you can not actually follow through with a 'freeze ', the link just goes round and round and dumps you out. So they are incompetent as well. Perhaps the multitudes are freezing their data on this site and its overworked but surely they should be able to accommodate it. 

Finally, WHAT is the logic in making anyone, regardless of age, have to pay to freeze their reports? All agencies do this. This is consumer madness especially since in order to protect your data you now have to pay the company that allowed the breech to begin with. That 's like having to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a second time. Are you kidding me. They should be providing everyone with a free freeze and you should be forcing this to happen..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello Dear CFPB I never received statement and i did not know i have balance. the reason i did not receive statement because i change my address XXXX month ago and Chase XXXX sent my statement to my old address. I changed my address by phone and they did not update it and they sent statement in my old address. Its triggered my account to go XXXX days late and all my credit has been ruined. I have mortgage and my interest rate has been hike up double and i will end up paying many XXXX XXXX dollars over year in XXXX yearrs mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: MI
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:
Intent to file lawsuit, no response for Validation documentation. 



XXXX - XXXX XXXX XXXX XXXX  XXXX This account does not belong to me and was previously deleted from my equifax report and was reinserted without required written notification from equifax. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX This account does not belong to me and was previously deleted from my equifax report and was reinserted without required written notification from equifax. 


Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received no response from them and/or no proof to validate their claim. 
They have broken the law by their non response within the time period allowed by law. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this erroneous claim. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
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: Was not notified of investigation status or results

Complaint:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Square Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XXXX XXXX XXXX sent {$3000.00} to me to paid for the first month deposit for a client renting from me for next XX/XX/XXXX. I have two phone numbers but only one email. Some how he sent it to a name on cash app that looks like it is one of my accounts but does not link to my email. I don't even know how to access this account. I sent the following message thru email to CASH APP. ( They don't have a phone ) I am able to sign into XXXX XXXX XXXX XXXX XXXX $ XXXX. 

I am able to sign into XXXX XXXX XXXX XXXX XXXX $ XXXX  I dont even know how to sign into XXXX XXXX XXXX $ XX/XX/XXXX It should be connected to either of the first phone numbers or card or account or address which is XXXX XXXX XXXX XXXX ( XXXX XXXX  ) XXXX How did I get XXXX XXXX XXXX $ XX/XX/XXXX When did I get this account? 

Have you researched that this account? 

I emailed them countless times but kept getting back general responses that had nothing to do with my specific problem. 

This started on Sat When XXXX sent the money to the " XXXX XXXX XXXX $ XX/XX/XXXX '', the one that I can't access and don't remember creating. I feel that they are stonewalling me so that they can make money off keeping it in their system for days while they gas light me by telling me that they are looking into it. 

It should be illegal to do financial services with out having a phone service to deal with the complications that can arise when dealing with large sums of money. 

No one at this horrible company has told me where the money is. They should go out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: EQUIFAX, 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 Equifax 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 Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX  XXXX & XXXX ( Original Creditor : 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 2021-07-20
Company: CURO Intermediate Holdings
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got this loan in XXXX they are threatening me and saying if I dont pay {$700.00} by the end of the month they will take me to court. It has been way over 7 years it was a pay day loan and it is no longer on my credit, can they take me to court. I know if I agree to pay them it will open the account back up

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: SYNCHRONY FINANCIAL
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 victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2019-11-23
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
they have locked me out of computer access and said I have not paid my bills. they still have not posted any payments to my account. I am trying to refinance my house and the equity line of credit in to one and they will not give me payoff and has caused be to pay for a extension for move time. I have one day left one my extension before I have to pay for another extension. the bank has asked for a pay off 7 time already since the XXXX of XXXX. they are charging me {$25.00} for the pay off. Is there a way I can charge them for my extension fees and all the stress they are putting me through? They have been nothing but trouble, to me since they took over me equity line of 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 2022-06-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed in accurate information on my credit report, and XXXX, XXXX or Experian has failed to properly communicate or respond back to my disputes.

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 2020-06-22
Company: EQUIFAX, INC.
State: WA
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:
In XX/XX/2020 my credit score went down 51 points on XXXX XXXX and 69 points in equifax. This is strange because I have no new accounts and all my credit cards have been paid on time. I have called XXXX XXXX but they have been very difficult and were not able to explain why my credit went down by this huge sum. I am worried because my credit has never went down this much for no reason. Equifax does not have an option for me to dispute my charges making it hard. No one can answer my question and it is proving to be frustrating. I am tired of not getting an answer or being told something generic and off the script. My credit has been reported falsely and I want to know why and I want it fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: MO
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 and I am submitting this CFPB compalint to you today to order the Credit Bureaus to update and correct the dispute accounts and information that are erroneously reporting on my Credit report! I have been sending multiple letters requesting that the Credit Bureaus reinvestigate the disputed accounts from my credit report as well as place temporarily remove or update these items from my report during the investigation period. As of this date, you have failed to respond to my request. Again, please reinvestigate if the following items are inaccurate, incomplete and outdated. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 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 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 2022-06-15
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/22 To Whom it may concern, I recently challenged the validity of XXXX XXXX XXXX XXXX account thats being reported on my most recent credit report. Upon challenging this, XXXX and XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately. 

Best Regards, I have attached my ID to this letter.

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 2022-06-15
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have my rights 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.

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 2017-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I live in an area affected by hurricane XXXX. I had an open claim for XXXX double billing my account when I had canceled XXXX and switched insurance companies. Bank of America wanted me to complete and affidavit but I was unable to return it due to evacuating XXXX Florida. XXXX they reversed my credit for {$530.00} which overdrew my account. I then called BOA and they sent me the affidavit which I immediately faxed it same day ... I have called BOA 6 times since then in last XXXX weeks. My account is still negative and I do not owe allstate any money. I was out of work and unable to access the little bit of money I had in that account. I even offered to call XXXX on XXXX way and they would n't.

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 2017-09-12
Company: EQUIFAX, INC.
State: IL
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: The CBE Group, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On the first Wednesday after the XXXX of XXXX, my Social Security check was reduced by {$280.00}. 
Credit company told me they mailed several months of notices to a XXXX XXXX XXXX address. This is not an address that I know, & I never received any calls. 
They stated they were taking out $ 400+ this month. I only have SS & $ XXXX  monthly retirement to live on with my wife. Help Please. Give me an address & I will mail you 100 % of my documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: General Information Services, Inc
State: MA
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: Public record information inaccurate

Complaint:
On XX/XX/2019 I completed a background screening for the USPS. The position is contingent on the background screening and the company has not completed the screening and its been over a month. I know my record is clean so theres no reason there should be this long of a wait. I need this process to be moved along so I can hear back from the job I applied to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation