BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-11
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX Equifax is reporting DEROGATORY which is inaccurate the following XXXX XXXX debt that should be reported to PAID as other two bureaus have reported incorrectly. 

I have already disputed with XXXX & Equifax multiple times over 4-6 months and still I do not have further information about the alleged debt listed below. 

I have a right to an accurate credit file and this type of inaccuracies is unacceptable. ( XXXX ) Account No. XXXX XXXX {$560.00} ( Equifax ) Account No. XXXX Amount {$400.00} THE TYPE OF INACCURACIES ARE UNACCEPTABLE AND I HAVE A RIGHT TO A ACCURATE CREDIT FILES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/XXXX at XXXX PM I withdrew {$1000.00} cash from a Wells Fargo ATM on XXXX XXXX XXXX, XXXX, NJ. The machine only dispensed {$560.00}, the remainder was stuck in the machine and could not be pull out. The machine erroneously printed a receipt indicating {$1000.00} was withdrawn. The {$440.00} was visibly stuck in the machine, it could not be extracted. There was no one in the branch to report this to it was closed. 

I immediately contacted customer service. They commenced an investigation and provided a temporary credit. 

On XX/XX/XXXX I received a letter advising the investigation was completed and " determined there was no error. Your account was charged the correct amount for the transactions. '' They offer " copies of documents used in making out decision ''. I expect that the transaction would be video recorded, this would provide ample evidence of the error. No paper evidence would show that the money was stuck in the machine.

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 2022-05-04
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Im in financial hardship due serious medical XXXX conditions. 
My business is closed to unable to work due to my medical XXXX conditions. In this overwhelming business debts unable to pay. They are threatening to take legal action against my person. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
On my first complaint to Capital one bank they provided a response stating that because the application was fraudulently submitted that they would contact the credit bureau to have the inquiry removed. KOHLS/CAPONE inquiry date is XX/XX/2018 is the inquiry in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: WELLS FARGO & COMPANY
State: AZ
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 filed a dispute with Wells Fargo on an unauthorized charge. The reason why this is an unauthorized charge was that I canceled the gym membership in accordance with the gym contract - in a term such termination of account withdrew my consent of further withdraws. 

I received a letter on XX/XX/XXXX that my dispute was denied for the amount of {$99.00}. 

The gym membership was canceled on XX/XX/XXXX - the contract required 30-day notice of cancelation. The gym contract should have been canceled on XX/XX/XXXX a day prior before dues were taken out. That was not the case.

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 2021-07-16
Company: Global Lending Services LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Apparently there has been a data breach which is the reason why I filed out the identity theft report with the XXXX County Police Department as well as the FTC report because I did not authorize these inquiries on my credit and I need to get these inquiries removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have sent them certified mail to cease & desist calling my cell phone any longer. I ask them to demonstrate the entire chain of title of the said stated acct. with XXXX XXXX  aka XXXX XXXX. I ask them to provide & produce all account statements that prove the acct balance in question to be correct or provide the actual amount they paid for the XXXX XXXX acct. from XXXX XXXX. I was not notify by Portfolio Recovery Associates that they bought this account. Instead XXXX XXXX  notify me by a letter sent snail mail dated as of XX/XX/XXXX.  I now dispute the debt & sell. I could have used a debt management company to resolve the matter with XXXX XXXX. They used under handed means to get me to default on the account in the first place by lowering my XXXX XXXX line of Credit from {$2000.00} to {$1400.00} without any written notice. I got the necessary documents to prove it. I'm under some economic hardship due to a part time job and a divorce earlier in the year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a smalls claims against XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX, XXXX  ga XXXX. They countered with a wrongful eviction and missed there own first court date. They then filed again, the judge issued no money judgment/ its court records. Ive attempted several times to have this removed from my credit and they have not, they also listed multiple address, and incorrect spelling of my name and the dollar collectors is demanding once again was ordered by the courts over county no money judgement owed to XXXXXXXX XXXX XXXX XXXX by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 was checkiung my credit yesterday because I am rearing to purchase a home and I noticed fraudulent and unauthorized accounts that are currently reporting to my credit profile. I do not know who accessed my credit without authorization, and I didnt give authorization to any of the listed creditors to pull a credit report on me. The accounts are as followed : Account Name : Auto Credit Account Number : XXXX Amount Owed : {$12000.00} Date Discovered : XX/XX/2021 Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$0.00} Date Discovered : XX/XX/2021 Account Name : Capital One BAnk USA Account Number : XXXX Amount Owed : {$400.00} Date Discovered : XX/XX/2021 Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$2000.00} Date Discovered : XX/XX/2021 Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX  Amount Owed : {$800.00} Date Discovered : XX/XX/2021 Account Name : XXXX Account Number : XXXX Amount Owed : {$0.00} Date Discovered : XX/XX/2021 Account Name : XXXX Account Number : XXXX Amount Owed : {$0.00} Date Discovered : XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
My accounted for the late transactions I reported it they did an investigation and I received my money back due to a global scam I was told that my account was affected but the customer service agent was supposed to help me get situated she said that she got it escalate it to be fixed in my account should reflect my correct balance in a few days it has been two weeks

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 2022-05-04
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violetad my rights. 

15USC 1681 Section 602 States i have the right to privacy. 

15 USC Section 604 A section 12 : It also states a consumer reporting agency can not furnish account without written instructions. 

15 USCV 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone stole All of my information. Social Security number credit cards birth certificate and have been making charges on my accounts and opening credit cards in my name I want to freeze my account so they cant file taxes in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: EQUIFAX, INC.
State: LA
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:
Ive reached out to Equifax a plethora of times but the situation hasnt been fixed yet. Theres a delinquent account from XXXX XXXX for a total of {$1000.00} still showing on my credit report when Ive never attend this establishment. XXXX  removed the fraudulent listing from my report Im just waiting on Equifax to do the same. Its been months

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
Hello, I recently reviewed my Credit ProfilXXXX and see numerous accounts of alleged debts that I am not aware of. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violetad my rights. 

15USC 1681 Section 602 StateXXXX i have the right to privacy. 

15 USC Section 604 A section 12 : It also states a consumer reporting agency can not furnish account without written instructions. 

15 USCV 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2017-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 requested that all inquiries be removed during my dispute, as I have not applied for any open lines of credit outside of XXXX XXXX and XXXX XXXX, nor have I tried to get a me car loan

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 2021-07-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$820.00} ACCOUNT NAME : XXXX  XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$310.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$350.00} ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
I purchased a lease with XXXX of XXXX XXXX and they added fees on my lease that was never discussed during our purchase. The fees are optional but when I told the finance representatives to remove it, he didnt and said he cant remove, although I never consented to them being on there. On top of that he made me pay for a extra {$870.00} for a service that was charged on my lease already. 

This would have been ok if the service are was actually providing the free services actually promised when I first purchased the vehicle. However, it was a lie I spoke to the service area and they claim that they havent provide free car washes for 2 years. This is supposed to be a luxury dealership but it feels like a scam dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
After recently reviewing my credit report I noticed several inconsistencies regarding Bankruptcy - XXXX. In the reference number section, XXXX  is reporting the reference number as XXXX and court US BKPT CT NJ XXXX. XXXX  is reporting reference number XXXX and court US DIST CT, with no latest status date. And Transunion is reporting XXXX and court U.S. Bankruptcy Court. Now all three of these Bankruptcies can't be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately.

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 2017-10-29
Company: SYNCHRONY FINANCIAL
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Keep getting repeated calls, sometimes as many as five a day from this phone number. The message states they are XXXX XXXX. I 've had no dealings with this company. Please deal with this annoying bank and advise them to stop calling me. Thanks ...

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 2017-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX   XXXX   XXXX , I am disputing this eviction because it is wrongfully placed on my credit.   I have been staying in the home with my father for some months, and we have the same name ( I am a  XXXX   ). Fo r some reason there was an eviction placed on my credit report and I have no legal ties to the home.

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 2017-10-19
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have checked my credit report and Equifax states that I have XXXX collection accounts under XXXX XXXX XXXX XXXX. When I review the accounts, the account information has been repeated therefore the same account shows twice on the credit report. I informed Equifax of the issue but they do not address the issue that the same accounts were posted twice on the credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XXXX, I called to book a trip using my XXXX Rewards points. I was quoted a price of approximately XXXX points and agreed to book it. 

However, after filling my account up with the requisite points in order to complete the purchase, the agent quoted me a different price of approximately XXXX points. 

After much back and forth about the fact they misquoted me, they acknowledged the mistake and agreed to honor the original price they quoted me. The way it would be done would be to pay the full new price ( XXXX ) and then issue me a refund for the difference of XXXX. I went ahead with this proposal believing that it would be handled as expected. 

At first I was told it would take two weeks to process. After that went by and I called, I was told it could take up to 2 billing cycles. 

It has now been 3 months ( well over 2 billing cycles ) since this was promised to me, and the refund has not been delivered. Every time I call I am told that it is still in the hands of some department for processing. I can not get an answer on how or when this will be done. 

The total value of those points is approximately {$1000.00}, so this is not a trivial amount of value that I am not being refunded as they promised. 

Lastly, I consistently get disconnected from their service line and despite promises to call back, they never do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23
Company: Experian Information Solutions Inc.
State: LA
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 requested my credit report to get fraudulent inquires that I didn't initiate removed from damaging my score. I sent XXXX  a letter 30 days ago and theyve yet to respond I am writing to inform you that these hard inquiries were not authorized by me and I wish to have them deleted. Some person or persons within your consumer reporting agency has knowingly and willfully provided information about me to a third party not authorized to receive such information, all in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C.1681. My information is that the unauthorized recipient of this information is 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 non-monetary relief