BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-03
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: Information belongs to someone else

Complaint:
I would like to inform that I become a victim of Identity theft. I can not explained how that happened but recently bureaus filed accounts that are not mine. Moreover I am not connected to these companies of accounts. I have never done anything with the. Accounts are wrong, amounts are wrong, everything is wrong and not mine. So please delete them ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Supporting documentation that my express account should be reporting in accounts that are satisfactory. Right now it is reporting as potentially negative. This letter is from my XXXX credit card account supporting documentation that the XXXX credit beaurous need to change the status to positive instead of accounts that are negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX XXXX. Last Payment date is not being reported properly after I sent the letter from XXXX. account should be removed immediately. i have sent them numerous letters and faxes to have this corrected and account removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Per attached letters from XXXX my account was only XXXX time XXXX late and XXXX XXXX was open from XXXX to XXXX. Per the attached credit report neither of these accounts are reporting as their letters state.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Square Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX, XXXX my phone was stolen and the theft sent all my money " XXXX '' dollars too themselves. I emailed cash app before the transaction took place to make them aware of the situation and they failed to stop the incident and then refused to refund me my money after we sent email after email to each other for months i told them i have XXXX young children and i was out of wrk do to the pandemic and they did not care at all .... I was very disappointed and felt as if they were aiding the crook i knew her name and everything gave them all the information they needed and they blew me and my family off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: FISERV INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a 2nd notification that I've received from Telecheck Recovery Services that I owe {$500.00}. I've spoken with my bank reps, and was informed their banking records indicate no such transaction ever took place. Also, I didn't visit the XXXX XXXX on XX/XX/2021. I've disputed this with TRS, and they insist on me filing fraud papers. Once again, this transaction never took place. As a result of this false information in my record, I've been embarrassed, as any check that I present to a retailer is being declined due to this information in my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
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: Public record information inaccurate

Complaint:
My credit report has a bankrupcty that belongs to my dad on my credit report. i disputed it directly with the bureaus but they claim it was verified to be mine. Me and my father have the same name and same address. Please remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have been disputing this item for about two years. Equifax is showing a tax lien on my credit report. In XXXX of 2012 I applied for a sales use and tax lic. in Florida three months later I joined the XXXX and I was away from my home address for two years. When I returned from XXXX XXXX I discovered that the Florida Department of Revenue estimated that owed them taxes and they filed a tax lien in the XXXX County Courthouse. I contacted the DOR and explained that I never started my business so they wrote a letter to the courthouse and all XXXX credit bureaus explain that the lien was filed in error and requesting it to be removed. I have sent Equifax this letter at least six time but they still wo n't remove it. They keep saying that they have verified the information as accurate. They keep contacting the courthouse and I have explained to them multiply times that they need to contact the Florida Dept. of Revenue that 's who filed the lien but they 're not getting it. I am attaching the letters from the FLDOR and I 'm attaching a letter from the courthouse showing that they also corrected the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed information on my Credit Report with XXXX and Equifax. Both refuse to delete old accounts that are past the exertion dates or take of accounts like my old IRS bill that has been paid even after submitting proof. They will not allow me to dispute inaccurate information because they said I have already disputed it before even though things have changed since them, ie IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I pay to get my report from Equifax any time i want. for the last 4 months NO report shows up. every time i call i get a different excuse for it not working. I was asked to send in a copy of my s.s. card and ID. I did that and I still can not see anything. theres nothing showing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: OneMain Finance Corporation
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: Reporting company used your report improperly

Complaint:
The loan I had was Paid off because the Car was Totaled in a car accident. Insurance Paid the Car off even to the company. the loans that are in my name are not mine. I have two bill from this company and not sure why. I need this to End. Delete this off of my account. this account has been charged off with a XXXX Balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed several times and Equifax keep saying verified. I have contacted Th Court and said it was an computer error. Also see attached letter stating they did not verify with credit reporting agency, they removed and keep putting back on report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I paid off the promotional balance of my Care Credit card ( Synchrony Bank ) prior to the date when I would have to pay interest ( 1 year ) ( promotional balance was approx {$4500.00} ) and then they closed my account once I had a {$0.00} balance, citing my credit score, even though my credit had gone significantly UP since I opened my account with them. I feel they did this because they did not make interest off of me because I paid off the balance in less than a year.

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 2015-11-13
Company: Risecredit, LLC
State: OH
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
I have gone on line to tried to get a loan from a company called Rise and the last time I tried to appy for a loan from this company the letter stated that fraud is on my record.I immediately called this company and was told that this information could n't be discussed over the telephone.I 'm very concerned about this situation because in 2004 MY previousdriver license information was used fraudulately in this women opening a bank account in my name.This is my email account XXXXXXXXXXXX

Company response to consumer: Closed
Consumer complaint received 2021-10-04
Company: CrossCountry Mortgage LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had overage of {$5400.00} in my loan account XXXX and CrossCountry said they sent me a check of this balance, but I never got it. Im so XXXX  of this company that I moved to another mortgage company. I got one check from my escrow balance when I closed my account but still missing the {$5400.00}!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-03
Company: Lending Club Corp
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
An unauthorized ach debt payment was taken out my account for the amount XXXX and and additional XXXX on XX/XX/30. Called lending once I was made aware of overdraft fees from my XXXX XXXX account due to insufficient funds. Other payments I made was getting bounced and rejected because of the XXXX taken out my bank account. Called lending club XXXX and XXXX representatives submitted a refund incorrectly along with a supervisor. Called back that evening to find out if the refund was approved. Lending club representative said it was filed incorrectly and refiled the refund and said they would put a rush on it. Called lending club back XXXX and again talked to XXXX respresentives XXXX was a supervisor. XXXX they couldnt put a rush on the refund and there waiting nothing they could do it takes 7 business days to processing. I was told told to send in the overdraft fees as well and they would take care of that. Did that but No one can find a submission of that either. My family has been put in a finically dire situation due to them. Our utilities and food expenses are not being able to be met due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In the month of XX/XX/2021 30 days ago, I disputed via mail certain particular accounts and inquires that appeared to be erroneous reported on my credit report due to identity thief and fraud.. I'm a victim of identity theft and I'm seriously being affected in my personal life because of these account 's which should have been removed and blocked. 
This information is entirely inaccurate and the credit bureaus have failed to reply within the 30 day time frame regarding their alleged investigation.

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 2017-03-04
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Payoff process

Complaint:
I have paid the entire balance off of this card and will not use it. There is a negative balance of XXXX. I want a paper check in the amount to bring the balance to absolute XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03
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: Information belongs to someone else

Complaint:
THE INQURIES AND ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PURSE AND SOCIAL SECURITY NUMBER AS WELL AS MY ID TO OPENT THESE ACCOUNTS IN MY NAME I AM VICTIM OF FRAUD I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The charge is for XXXX equipment that was returned in a box with a tracking number that was provided by comcast. I have talked several times explaining this to them. I think it is settled and they put it back on my credit report again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
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:
This is the second time I've corrected this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Citizens bank overcharged me on overdraft fees. Starting with XXXX I was charged an daily overdraft fee of {$6.00} however my account had a direct deposit of {$1600.00} therefore it was not in the negative that day and no document indicates if it was n't brought positive by a specific time the people day that they can charge a fee ( example XXXX the prior day ). This also was the same case on XXXX so with that they owe me back {$13.00}. Next citizens bank charged me {$6.00} on XXXX for my account going in the negative on XXXX however XXXX was not the third business 's day so they owe me another {$6.00} back. Lastly, on XXXX and XXXX I was charged a total of XXXX {$35.00} overdraft fees however only had XXXX transactions to make my account in the negative so they overcharged me a {$35.00} fee. Citizens bank owes me back {$55.00}. You all should audit this bank as I read articles of them overcharging customers with fees. I want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am the co-signer on my granddaughter 's student loan and Citizens Bank has ruined my credit rating listing 2 delinquent payments. The loan is being paid but I understand she has 15 years after graduation to pay off the loan and she graduated in 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: ASTORIA BANK
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Astoria Bank charged me an overdraft fee after they automatically overdrafted my account be charging an account fee of XXXX dollars and a periodic fee of XXXX dollars even though I had no money in my account. As a result of my overdraft they took everything I had when my check was deposited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-03
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
*This is a new complaint* During the period including XX/XX/2021, I was on deferment with the company. I have documented proof of deferment, due to not being able to pay my bill based on being affected severely by COVID. I have new documentation which shows this, however, the company refuses to review the new information. 

I spoke with the CFPB today, Tuesday, XX/XX/2021 at approximately XXXX and they advised me to submit a new complaint due to their being new information and new complaint related issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I left XXXX at the end of my contract, I called and verified my contract was over and I was paid in full. A few months later they called saying I owed money, I explained i did not. They turned me over to a collections agency, I explained this to them now 6 years later they filed a derogatory mark on my credit lowering it by almost XXXX points I now went from excellent credit to good credit status. I did everything I was supposed to in order to leave XXXX going as far as contacting them to make sure we were all square. To come up with some phantom bill months later for lousy {$150.00} is ridicules. It is not the {$150.00} it is the principle of lying to it 's customers because they are leaving for another company. Now six years later to have my credit ruined because of this is maddening. Any help would be great, thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-08-03
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I never opened acccount Wells Fargo attempting to get money from me on something never opened.

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 2017-02-19
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Enhanced Recovery Company put a negative item in collections on my report. The company never sent me anything prior to doing so. ERC stated the dept is to XXXX XXXX XXXX but I 've never had services with XXXX XXXX XXXX. After two days of calling XXXX XXXX XXXX and getting nowhere or any verified info of and acct with them, I called ERC and they stated it 's from an old XXXX account that was turned over to XXXX XXXX XXXX after they brought XXXX out. I settled the account with XXXX in XX/XX/XXXX or XX/XX/XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-03-15
Company: Big Picture Loans, LLC
State: MI
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I borrowed {$800.00} dollars from XXXX XXXX XXXX XXXX. I have paid {$1400.00} dollars in interest since XXXX XXXX 2016. None of this went to the loan principal. They are deducting {$280.00} from my checking account every 2 weeks. They have now switched their name to Big Picture Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
XXXX XXXX XXXX set up a XXXX account under my social security number but wrong name my name is XXXX XXXX XXXX not XXXX j XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: MS
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:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the XXXX  you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I recently went to re-certify my income based repayment plan and I was denied my previous repayment plan due to my wife 's salary. They took my wife 's salary into account, but they did not take into account my wife having to repay loans. Therefore they do not recognize that she now has a job, but she also now has to repay her loans. They only took the information that would cause me to have to pay more without looking at the entire financial situation. We pay almost {$2000.00} a month in student loans between federal and private.

Company response to consumer: Closed with explanation