BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
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: Account information incorrect

Complaint:
Pursuant to 15 USC 1681 ( a ) ( 1 ) : The banking system is dependent upon fair and accurate credit reporting. Reviewing my consumer report I found several instances where there was inaccurate information that has created an unfair situation for me. I was never notified when this inaccurate information was furnished. I was also never notified about the initial investigation that led to the reporting of this inaccurate information. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) : Unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. These repeated occurrences have undermined my confidence in EQUIFAX INFORMATION SERVICES and the banking system as a whole. Therefore, if this information is not removed, I will no longer be extending credit and will request that all of my information be removed from EQUIFAX INFORMATION SERVICES records.

Pursuant to 15 USC 1681 ( a ) ( 2 ) : EQUIFAX INFORMATION SERVICES is a powerless elaborate mechanism. This grave error has ruined my reputation, credit worthiness, credit standing, credit capacity and tarnished my character as a consumer.

Pursuant to 15 USC 1681 ( a ) ( 3 ) : EQUIFAX INFORMATION SERVICES has assumed this role. EQUIFAX INFORMATION SERVICES was not given express permission by XXXX XXXX or a competent court of jurisdiction. You have violated my rights as a consumer over and over again within the initial investigation as well as assuming that the information received was accurate. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) EQUIFAX INFORMATION SERVICES is required by law to exercise their grave responsibilities with fairness, impartiality, and with respect for the consumers right to privacy. EQUIFAX INFORMATION SERVICES did not consult me as to the accuracy and validity of this information and assumed the transaction took place based on an unfair, partial perspective of a third party. As a result, my privacy has been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, has violated my rights. 

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

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 2020-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
The Following is a list of Creditors that obtained my Personal Credit information and conducted an inquiry to the major credit bureaus. 

The date are all listed and how many times the requested my information in turn producing an inquiry, In XXXX I sent a request to all creditors asking for verification due to multiple fraud alerts on all three major credit bureaus. As of XX/XX/XXXX approximately 120 days I have yet to receive verification of the multiple a credit inquires. 
All Three Credit Agencies XXXX, XXXX  and XXXX  have reported these creditors as causing an inquiry. Since I have not yet obtained verification I would like the creditors to remove their Inquires in a sufficient amount of time or provide, My signature and proper  identification that it was me that requested the information. 

The following is just from XXXX  report XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 7 Inquires to XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 7 inquires to XXXX  XXXX - XX/XX/XXXX -1 to XXXX Cap One -  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 11 inquires to XXXX  XXXX - XX/XX/XXXX -1 Inquiry to XXXX  XXXX   XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 3 Inquires to XXXX   XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 3 inquires to XXXX   XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 7 inquires to XXXX  XXXX XXXX  - XX/XX/XXXX -1 inquiry to XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, - 2 inquires to XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 3 inquires to XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, - 2 inquires to XXXX XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX - 2 inquires to XXXX  XXXX XXXX - XX/XX/XXXX 1 inquiry to XXXX   XXXX XXXX - XXXX1 inquiry to XXXX XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX  XXXX XXXX  - XX/XX/XXXX - 1 inquiry to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-03
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/19 I went to Macy 's at the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ( XXXX ) XXXX ) to purchase a coat. There was a promotion going on where you if you signed up for the Macy 's Credit Card you would get 20 % off. The coat was listed at {$340.00} and had a sale going on but I was happy to get an additional discount on a large purchase and I have a high ( over 800 ) credit score with a good income so I have never been denied for a credit card. The sales associate ran my information, pinged my credit ( I was informed of this by my credit card and credit monitoring services ), and told me I was denied and would receive a letter in the mail telling me why. I spend {$140.00} on the coat ( after the sales discount but with no 20 % for the new credit card ) and had to place it on my personal credit card. I got a letter in the mail dated XX/XX/19 from Macy 's at XXXX XXXX  XXXX, XXXX, OH XXXX indicating that I was approved for a credit card and needed to call to finish the process. When I called today XX/XX/19 to inquire about why I was denied I was told that I wasn't denied despite what I had been told in store and despite not getting the 20 % off my purchase. I asked that my application be canceled and to speak to a manager to ensure that the application was canceled and to lodge a complaint against them for pinging my credit to deny then approve me with no compensation. I was placed on hold then a CS rep came back to tell me that the hold would be indefinite as there were no managers available. I still am not sure if the credit card application has been canceled and I am very concerned about stores handling credit card applications this way. If I am denied tell me why, if I am approved give me the discount. Don't ping my credit the tell me I'm both denied and approved but refuse to give me the discount.

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 2017-06-13
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I went to the Wells Fargo branch at XXXX XXXX XXXX in XXXX, Colorado in XXXX of 2017 and spoke to a banker by the name of XXXX. I explained to her that I needed to open a second checking account for the purpose of paying bills online, and she told me that an EasyPay account would be a good way to do that. When I began to use my EasyPay account to pay my bills in XX/XX/XXXX, I noticed that my payments were being reversed by Wells Fargo, despite having enough money to cover the payments in the account. I called Wells Fargo customer service on XX/XX/XXXX, 2017 to ask why my payments were being reversed, and the woman who took my call told me that my payees had released the funds for whatever reason, but they would be posting the transaction the next business day. I asked her if she was sure my payments were n't being reversed, and she said that she " sees this happen all the time when people pay their bills on the internet '', and not to worry.
<P/>
The next day, all of my bill payments had been officially reversed, resulting in late payments and fees on two of my credit cards, plus my car payment. I called customer service again, this time to complain to a supervisor, and I was told that my EasyPay account was not authorized for ACH withdrawals. I was very surprised, as the banker I had opened the account with at the branch had told me that this was exactly what people used this type of account for -- automated bill payments.
<P/>
I am extremely upset that Wells Fargo directed me toward this type of account as opposed to a regular checking account, despite me clearly stating to the banker what I intended to use it for. I am also upset that in my initial interaction with the customer service center, I was again mislead into believing that my bill payments were going to go through, and that I had nothing to worry about.

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 2023-04-03
Company: CL Holdings LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I was out of work due to COVID so I fell behind and I feel that I was taken advantage of during such a hard time. This debt has been sold to another company and I am no longer liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The Credit Reporting Agencies claimed the previously disputed accounts as verified and continued reporting the erroneous accounts on my Credit Report. I am submitting this CFPB complaint today in response to the recent investigation conducted by the Credit Reporting Agencies. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular accounts in question. FCRA Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the 3 credit bureaus to validate these accounts ( A ) in a timely manner. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: HW Holding, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May C oncern : Please be advised that pursuant to the Safe Homes Act, I had to end my lease early at  XXXX   XXXX  in  XXXX , IL because there was a credible imminent threat of   XXXX   XXXX     (   XXXX  ,  XXXX  and   XXXX   ) against me on the premises. My ex-boyfriend,  XXXX   XXXX , had been  XXXX ,   XXXX   and   XXXX   XXXX   to me while I was living with him at this property. This forced me to leave the home and to start living with my parents. Because he was still in the apartment, I could no longer return to it since it would have put me under a constant threat of  XXXX ,  XXXX , or   XXXX   harm by him, and it was no longer safe for me to live in my unit. I have a two-year order of protection against him and can provide you with that documentation, if necessary.  <P/> I vacated my apartment at   XXXX   XXXX   -   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , IL  XXXX  on    XX/XX/XXXX    under the protection of the Illinois Safe Homes Act. All of my belongings were removed from the unit that day, and my keys were turned in to the management office. As a victim of   XXXX   XXXX   by my roommate in this apartment, I am protected under this law and have the right to terminate my lease early with no further payment required because of a credible, imminent threat of further   XXXX   XXXX    <P/> On XX/XX/XXXX , I disputed the attempt by  XXXX   XXXX  to collect a debt for the rest of my rent through the debt collection company  XXXX   XXXX .  XXXX   XXXX  stopped contacting me due to my cease and desist request. However, the collection was placed on my   XXXX   and  XXXX  credit reports on  XX/XX/XXXX  .   This is why I am submitting a dispute with you today.  <P/> Thank you for your attention to this matter.  <P/> Sincerely,  XXXX   XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have called XXXX. I have never opened up a credit card with this company. This is for a purchase that was made on XX/XX/22 in the amount of XXXX in XXXX, NY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: DE
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was going through my credit report and notice several fraudulent accounts on my credit report. i provided a copy of my ID to prove my identity.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: CITIBANK, N.A.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX - purchase from XXXX for {$430.00} order number XXXX, placed on my Citi card ending in XXXX. Send for return using sellers XXXX - XX/XX/XXXX seller acknowledges XXXX has been scanned by shipping company for return. Refund 7-10 days. Contact seller when refund not processed. Seller suggests charge back via credit card. XX/XX/XXXX - initiate charge back with Citi. XX/XX/XXXX - citi summarily closes investigation. Refuses to state reason for closure, provides documentation PROVING the seller has access to XXXX and tracking for returns and can show the seller has the merchandise and my money citi states they Advocate but have NO mandate to actually investigate the disputed transaction via the FCBA law. Seriously, the seller provided docs to Citi that show they owe the money. Citi states if they receive ANY response from the seller, even if it proves the buyer is right, citi just gives the money back to the seller assuming the documentation proves it. Then the buyer has to re-submit the sellers own documentation PROVING they are owed the money back. States I can provide additional detail, but refuse to state reason seller states they DONT owe me money so I don't know what else they need because the seller never said they don't owe money. Just provided 14 pages of documentation PROVING they do owe the money! It's the craziest thing I have ever seen.

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 2022-09-13
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}. 

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Maximus Education, LLC dba Aidvantage
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX I emailed Aidvantage to request a refund for payments I made XX/XX/20 through XX/XX/20 as allowed under the CARES act. 

XXXX After not hearing back, I called to an Aidvantage who processed my request for a refund and was told an update on some form, via email, account alert, or new loan balance, would be seen by XXXX. 

XXXX After receiving no notification on status/update I called again and I was told my request had a new target date of updating by XXXX. I received no status update. 

XXXXContacted Aidvantage again when no notification/or update had been made through the companys customer support chat. I Was told my request had already been approved and I would now see an update in 2-10 business days from XX/XX/XXXX. This information conflicts all previous information I was given from Aidvantage over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Experian Information Solutions Inc.
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:
On or around early XX/XX/XXXX I became a victim of Identity Theft that resulted in an arrest of a suspect who was detained under my name on or around XX/XX/2017 which still continued once he was released on bond ( see attached court documents ). After receiving a copy of my credit reports I have noticed numerous names, addresses, phone numbers, employment, inquiries, accounts not affiliated with me. Finally was giving a disposition of the cases once it was closed so I can dispute this matter with all the bureaus and any other agencies that protects Identity Fraud.

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 2022-04-05
Company: Mercedes Benz Financial Services
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 have unauthorized hard inquiries from this company showing on my credit which is affecting my financial situation drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
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:
For one account ( XXXX XXXX ) it is reporting that my last payment was made on XX/XX/XXXX and that the account was closed on XX/XX/XXXX. The card was closed XX/XX/XXXX. I asked for verification that this account is indeed mine and I asked for the method of verification. I have received no response from them. I reached out on XX/XX/XXXX. No response and nothing change. 

Next account ( XXXXXXXX ) I asked for validation and received no response. Acct is not mine

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