BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: NY
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:
As of XX/XX/XXXX, my Chapter XXXX Bankruptcy was to be deleted from my credit file ; it has been 7 years. XXXX and XXXX deleted it automatically, I am still fighting with Equifax to have it removed. 
XX/XX/XXXX - Submitted dispute to have a ChXXXX bankruptcy removed because it was discharged. RESULTS : they put the words discharged on the file. After looking closely, the I noticed that the bankruptcy was listed as a ChXXXX ( converted to a XXXX, but the court changed it back to a XXXX ). 
XX/XX/XXXX - Disputed to have the correct filing listed by sending over the court documents and requesting it to be removed. RESULTS : That XXXX has reported to them the correct information ; it remained a ChXXXX. 
XX/XX/XXXX - I called XXXX, they verified that it was obtained thru the court and that it was indeed a ChXXXX I received the report in the mail a week later as confirmation. They stated that i had until XX/XX/XXXX for Equifax to respond. RESULTS : nothing has changed. 
XXXX I called Equifax XXXX why they haven't updated my information and deleted the bankruptcy. Was told that yes, indeed, it was a ChXXXX and the update should happen within 2-5 business days. I chose to have it emailed to me. Nothing. 
XX/XX/XXXX - Called Equifax to find out why it hasn't ben update/removed. Rep told me that I was misinformed and that they don't add or delete without direct confirmation from the source ( court ). He gave me the # to the court, I called, the lady explained that they NEVER send out anything to the bureaus, ever. I called XXXX. the rep stated that it shows on their report that the info was obtained by the County Court in my state. She then stated that since I already had the report, there was nothing further that they could do. RESULTS : I am back to where I began in XX/XX/XXXX. I had to file another dispute, this being the 5th one. 
I really don't know what to do. It is bringing my score down. Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to complain to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, and my name is XXXX XXXX XXXX XXXXXXXX My birthdate is XXXX, and my social security number is XXXX XXXX. The FTC report number related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2019-05-09
Company: Conn's, Inc.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been getting calls from Conn 's starting at XXXX XXXX  since Monday. They call both my home and my cell 6 times or more before noon. They have sent multiple emails, texts and continue to call. My payment was due Sunday. I'm only 1/2 a payment behind. I have a grace period. It's against the law to harass customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: CREDIT ACCEPTANCE CORPORATION
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have sent Credit Acceptance a Cease and Desist letter and they continue to call me after they received it. I also sent them an online cease and desist through my online account twice. I have told them several times not to call when my account falls behind. I have never been more than two weeks behind, I have always caught it up and paid the late fees. They call on day one if it is late, many times when they payment has been paid through their website on the due date.

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 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
An account has been placed on my credit report that does not belong to me. I have submitted the following information to Transunion : Affidavit of forgery ID Theft Police Report State ID FTC Identity theft Report Section 605B A letter requesting this fraud be taken off of my report The account is a collection account that originated with an entity called XXXX XXXX, and is now on my report in collections with XXXX XXXX XXXX. 

My credit is frozen and fraud alert added.

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 2018-02-13
Company: Navient Solutions, LLC.
State: ND
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am on the pay as you earn repayment plan. I'm temporarily XXXX and I'm not earning anything and I can not pay anything. I've submitted forms and they are still trying to get me to pay and negatively reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: Experian Information Solutions Inc.
State: AR
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 trying to cosign for my mom a new vehicle, and the car salesman told me my credit was low. I told him to show me my score and report. There are items on my credit that does not belong to me. These are the items that needs to be removed. 

XXXX XXXX XXXX XXXX XXXX {$92.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX   XXXX {$400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been a Wells Fargo consumer for XXXX  years. I have worked for Wells Fargo for XXXX  years. Upon opening a new account, I deposited a cashier 's check and it was placed on hold for XXXX  days with no funds available prior which is Wells Fargo procedure from my understanding. My personal and business accounts have now been closed due to XXXX  per Wells Fargo. One week before, my personal information was verified in order to open a business account. Months prior, my personal account was verified by a branch banker with no issues. The bank closed my accounts, after verifying me and debited my funds which were needed immediately and has caused me major hardship.

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 2019-10-03
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax is reporting incorrectly on the XXXXT partial account number XXXX. ( Please see page attached from my credit report. ) I do not now, nor in the past, have ever had a XXXX XXXX credit card. This account is reporting in error and needs to be removed from my credit report. I have also attached a copy of the Identity Theft Report I filed with the Federal Trade Commission. I have not applied for, nor ever given permission to anyone to open this credit card. This incorrect reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2020-03-10
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 am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX   CRAs. On XX/XX/2020, 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. I DID NOT GIVE ANYONE PERMISSION TO USE MY PERSONAL INFO

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I asked Walmart to close my account. For some reason they are still sending me statements and adding late fees to my account. What should I do is that right rhat they are doing this according to agreement.

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 2018-08-16
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
Inquiries I didn't authorize, I put a fraud alert in my account months ago, the only valid ones are XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2020-03-10
Company: WESTERN UNION COMPANY, THE
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I had initiated money transfer from my XXXX XXXX account to my XXXX NRE account on XX/XX/XXXX and I used Western Union Money Transfer for this transaction. After I completed the transaction, I received email from Western Union which confirmed that the money will be available on XX/XX/XXXX in my XXXX bank account. When it was not credited on XX/XX/XXXX, I contacted the customer care on Western Union and they said that the transfer was completed from their end and I should check with XXXX XXXX  in XXXX. On contacting XXXX XXXX, they said that they have not received the money and hence not completed the transaction. I again called back western Union and this time they asked me to wait until XX/XX/XXXX as XX/XX/XXXX was weekend in XXXX. Even on XX/XX/XXXX, money did not get credited. On XX/XX/XXXX, they have withdrawn money from my XXXX XXXX account and yet it has not been credited into my XXXX bank  account. I contacted the western Union customer care today ( XX/XX/XXXX ) and they said that they are escalating it with some concerned team and I will get resolution in 14 days. This was an urgent money that I needed in my XXXX bank account to help my dad pay for a loan installment. I can't 14 days and need help here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
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:
XXXX XXXX is on my credit and its not mine. I requested that they remove it from my credit. I asked them to verify a signature and I did not receive a response from them. It has been removed from other credit reporting agencies. But equifax is still reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
These hard inquires wasn't authorized by me 1.XXXX XXXX XXXXXXXX 2.XXXX XXXX 3.XXXX XXXX 4.XXXX XXXXXXXX 5.XXXX XXXXXXXX 6.XXXX XXXXXXXX

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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$16000.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3700.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX IN XX/XX/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 XXXXXXXX XX/XX/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
Consumer complaint received 2019-05-21
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
On or about XX/XX/XXXX, I was approached by " XXXX XXXX XXXX XXXX '' about being approved for a home equity loan on my property in XXXX, Ohio. It was my parents home and my name was never on the title to the property. Never the less, I was approved for a XXXX loan ( I don't even remember getting that much ) Shortly there, the loan was transferred to " XXXX XXXX '' who ended up going bankrupt. They then put me on a forebearance plan. Then it was transferred to " XXXX XXXX  '', then XXXX now, it is with Shellpoint Mortgage Servicing. The loan was predatory in the first place, I should never been given that type of a loan, the way my financial situation was, then and now. I am currently in foreclosure and don't know what to do. Also, at the end of XXXX, the XXXX county auditors did an appraisal on all the property in the county. My house was determined to be only XXXX and the mortgage company is saying I owe them XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hi team, I signed up and was approved for an American Express Delta Skymiles Platinum card in early XX/XX/2022. The card was supposed to have a XXXX $ annual fee but after multiple weeks, this fee was not charged. In order to budget for the holidays, I reached out to American Express support regarding the new card and asked when the fee would be charged. They explicitly stated in writing that there would be no annual fee charge until next year. I went on to budget and make purchases as planned until, after a few weeks, the annual fee was charged to my account on XXXX XXXX. This messed up my budget and caused financial stress due to the unplanned nature of the fee. I reached out to support again who told me that they could not cancel the charge but would put it up for review by the finance team. I reached back out over the next few months but it had still not been processed. I finally reached out on XXXX. XXXX and was told that it had been reviewed and the cancellation request had been denied. This has left me in a situation where a credit card company told me explicitly that I would not be charged a large fee, but they went on to charge it anyway. It is obviously in their best interest to surprise their customers with a fee that they claimed would not be charged. I have lost trust in their support and would still like my XXXX $ back. This is inexcusable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Patient Accounting Service Center
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Received a call on my cell which showed up as potential spam call and your agent started asking me for personal information to confirm Identity. I questioned him to confirm this is not just a phishing call and agent go upset and started threating me that he was going to report me as not comping to pay cause I didn't give him my confidential information. I am aware there is a debt that has to be payed and I am more then happy to resolve this issue but your agent had the wrong attitude and I don do not appreciate him threating me to report me to his client and create bad and false reports on my Credit. I just received a letter making me aware of this debt and will be taking care of it but I will not be dealing with any of your rude and unprofessional agents. This debt could be been resolved today but since he just got upset when I questions him to make sure I was not getting scammed he just hung up on me and did not give me a chance to speak. Agents like that should be fired in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I applied for a credit card with XXXX XXXX and they use XXXX XXXX to check my credit. Despite having a FICO score of XXXX, I was denied a credit card with XXXX XXXX. 

They have asked me to contact XXXX to findout why my credit file is negative and I have received no response from them. 

Can you please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Remove all Fraudulent accounts 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 non-monetary relief