BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-17
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:
I have repeatedly sent disputes about negative items on my credit report.Some items are over seven years old I do not recognize some of the negative items.In XX/XX/2022 after many online disputes i sent certified letters with copies of my identification along with letters being notorized requesting validation of all debts reported on my credit reports with the original signed by me copies of the agreements sent to me or to have these items immediatly removed from my credit reports.I have not received any responce from XXXX, equifax, or XXXX.The XXXX  account on my report shows to be past due and unpaid however if you check the accuracy you will find i pay them XXXX every week and can prove this.I also have been paying on that account for XXXX  years if you look at it.By XXXXXXXX XXXX on records i can prove i have paid XXXX in interest alone on that account.I am also a victim of XXXX XXXX  letting a company called XXXX XXXX pull multiple hard credit pulls on me that were not authorized.I have disputed this many times with no results.My credit reports are not correct with multiple innaccuracies easily seen.I am wanting these incorrect items removed immediatly as it is hinduring my ability to live and function properly.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: IL
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 without 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 XXXX 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 XXXX i made this clear for XXXX 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 XXXX rept but they refused they had me on mute for XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and XXXX  That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX 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 XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: In progress
Consumer complaint received 2023-11-23
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Apple Card/GS bank USA , account number XXXX, This account is suspicious I requested this company to provide me with original signed contracts of me given this company permission to submit my information to any third parties. I also requested this company to provide me clear and conspicuous instructions given me option to opt out of this unknown debt. I requested this company to provide me with written contract of me knowingly agree to owe any debt ( Apple Card/gs bank ) this company havent cooperated and provided me the necessary documents/information. After a statue of time I requested this company to cease and desist all communications with me which they havent and this account is still being illegally reported to my credit report. Which is clear violation of FCRA 15 United States Codes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: CITIBANK, N.A.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Citi Card and faulty charges that are not my charges and they keep adding them to my monthly charges when I have repeatedly responded to rebuttal letters from companies off the internet that I never ordered these products online. My email XXXX has been infiltrated with spam from companies saying I won a prize that will be delivered when I pay delivery charges after I answer their questionnaire. I spam these messages out and the email service - XXXX automatically  remembers them and places them in spam. My spam folder is inundated with up to XXXX spam messages everyday. I clear my spam folder twice a day. Now, Citi Card is going to report this to the credit bureaus against my credit because I refuse to pay faulty charges. This has been happening for better than XXXX XXXX. If I can get a site where I can download my last response to them and it will show the products that they are claiming I ordered, but did not, it will show you the company which is using my card and claiming I am making these purchases when I would not even know what these products are used for - may understand what they are used for but do not have the knowledge how to use them.

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 2022-08-17
Company: WESTERN UNION COMPANY, THE
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I sent {$2000.00} to my bank account at XXXX thru Western. Two days later when I noticed the money was not in my account, I called Western Union. I was told that the funds were delivered. I kept on calling and every time I am told that the claim will be escaladed and have the claim department look into it. By the time I called again, the claim have been closed. They have to reopen a new claim. After many attempts, I requested to speak to a supervisor, who after a long conversation after I provided my account number, I was told it was not correct. I went back and looked at the receipt and discover the last number from the receipt is different from my bank account. I shared that information with the supervisor who confirm the information. He later told me to call my bank and ask to respond to they request to return the funds. I call XXXX they started an investigation and stated the account is non existing therefore they returned the funds. 
In conclusion, the said they they do not have my {$2000.00} and Western Union is saying that the funds were delivered. The manager from XXXX called as well, he was told the that the funds were delivered. He even explain to them it was his associate who entered the account number wrong none of that made any difference. 
call log : case # XXXX case # XXXX XX/XX/XXXX spoke to an associate I was to wait for a call in 24-48 hours. 
XX/XX/XXXX I never received a phone call so, I called back. I was told that the claim was closed and will be reopened. 
XX/XX/XXXX Spoke to XXXX XXXX XXXX I spoke to Supervisor XXXX XX/XX/XXXX Supervisor XXXX XXXX I was told to expect a phone in 72 hours XX/XX/XXXX went to XXXX XXXX supervisor called Western Union XXXX 
I need your help! I am getting no where with all my efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
I applied for secure card, Wells Fargo agreed to give me the card. However, due to poor service experience from Wells Fargo, I requested them to cancel the card. Now I see this appearing as Hard Inquiry impacting my credit scores. I spoke to my Banker at Wells Fargo about it however, it seems she had no idea how to resolve this. 

Hence, requesting for the help now.

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 2023-05-17
Company: Affirm Holdings, Inc
State: AZ
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 got a loan from Affirm for a new cell-phone that I needed for my work. The first payment I was suppose to make was on XX/XX/2023 for XXXX. The give you 29 days or less to pay the XXXX or they report it on your credit report and for the full amount of the loan you took out. They decided to report it on my credit report of XX/XX/2023 and killed my credit rating by having it drop XXXX points by reporting falsely to the credit bureau. In the contract I signed and even when I called the company I should have had 29 days of less to pay the XXXX before them reporting it on my credit report. When I also called the company, they didn't want to take any accountability and said it was XXXXXXXX XXXX fault for it being on the report which was a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX I am filing a complaint to have my credit file information blocked/freeze do to inaccurate information. 
My name is XXXX XXXX XXXX my DOB is XXXX my SS in XXXX. PLEASE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT MINE : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX PLEASE DELETE THE FOLLOWING PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern, I am a victim of identity theft and I am writing to request the removal of the following fraudulent hard inquiries from my TransUnion credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 

These inquiries were made without my consent or knowledge, and I believe they are the result of someone else attempting to use my personal information for their own gain. As a victim of identity theft, I am entitled to dispute inaccurate or fraudulent information on my credit report under the Fair Credit Reporting Act ( FCRA ).

I am requesting that these fraudulent hard inquiries be deleted from my TransUnion credit report as soon as possible to protect my credit score and financial well-being. I am willing to provide any necessary documentation or information to support my claim. 

Thank you for your attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2022-07-13
Company: Fidelity National Information Services, Inc. (FNIS)
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:
On XX/XX/XXXX, I tried to apply for an account with XXXX XXXX and was denied because of Chex systems. I reached out to Chex systems in regards to the matter. I was sent a letter stating that I had an account with XXXX  XXXX XXXX in the past and I owe {$350.00}. I never had an account with them but my ex husband did. He put me on the account in case if anything ever happened to him that I would be able to access anything I needed of his. I never put any money in there or did anything with the account. I was told in XXXX during the divorce that my name was removed from all his accounts. Fast forward to XXXX, I applied for this new account and now I can not open an account with them because he left a balance on that account and I had no idea. Because my name was on it when it closed they are trying to tell me I am co responsible. I contacted XXXX  XXXX XXXX on XX/XX/XXXX And was told I am responsible for something that I had no idea about and would not have known because evidently in XXXX they put this on me and if I didn't try for the XXXX account I would have never known. I feel as if I am not responsible for someone elses debt because I was told one thing and the case was something else. I would like for them to remove this from my account because I am not the primary account holder and I have never even used this bank or step foot in there except under the false pretenses that it was for if anything were to happen to someone I would be able to take care of their affairs with no issues.

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 2022-11-19
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX CT XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXXXXXX .... Balance : {$50000.00} ; XXXX XXXX XXXX XXXXXXXX .... Balance : - ; XXXX XXXX XXXXXXXX XXXX .... Balance : - ; XXXX   XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Home Point Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Homepoint Financial Paid my new insurance carrier ( I switched carriers ) on XX/XX/2022 for two insurance policies -Homeowners policy {$2300.00}, Wind {$1100.00}, and assumed a third policy from my previous agent for Flood {$1900.00}, and my escrow account was negative $ XXXX. A few weeks later I added {$4500.00} to my escrow account. Meanwhile the check that was paid out by Homepoint on the XXXX of XXXX was lost, and never received by the insurance company. After many calls and an " investigation '' done by Homepoint, they had no information on the check, so they paid my insurance carrier another {$2300.00} for the lost check, out of MY ESCROW and now I'm out ANOTHER {$2300.00}!!!!!!!!!!!!!! Homeoint financial double paid my carrier and lost one of the checks and stole {$2300.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today, XXXX XXXX, I received an emails from your company indicating your company added my husband name as a spouse, which I deleted before, just because he was not co-applicant or whatever. One of mail ( XXXX ) stated to submit the documents to remove fraud alert. Since I am on process to request extended fraud alert, this email was really indignant one. If this company considers I should remove the alert without asking me and consent, this company needs to explain the reason with written statement.

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 2022-10-06
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:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

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 2020-08-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX had a scammer hack my account information and deposited a fake check then wired him self money then the bank is trying to tell me to pay it and the fraud department will not take care of the issue at USAa 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 2022-07-13
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022, my wife and I transferred {$100000.00} from my wife 's checking account at XXXX XXXX  to our joint savings account at XXXX ( Webster Bank ). The money left my wife 's XXXX checking account on XX/XX/2022. 

The transfer didn't go through because we used my online profile with XXXX instead of hers ( she has no online profile with XXXX ). For security reasons, our savings account at XXXX was put on hold and our external transfer capability was suspended. 

We send XXXX the documents they required, i.e. our diver 's licenses as well as the most recent statement of my wife 's XXXX checking account. Our account was reinstated as well as our external transfer capability. 

However, as of XX/XX/2022, our money has not yet been returned to my wife 's XXXX checking account. And it is not in our account at XXXX. 

We have been in contact with XXXX multiple times over the phone ( ~ 6-8 times ) and via XXXX 's online message system ( online account ). They are not being helpful. 

On the transfer page, the transfer is not marked as " declined '', " rejected '', " canceled '', or " failed ''. It is marked as " manual '' ( whatever that means ). 

Among our many calls, I spoke with a representative at XXXX on XX/XX/2022. The gentleman I talked to said the transfer was started on XX/XX/2022. My wife contacted XXXX on XX/XX/XXXX, who confirmed that no letter of intent was received. 

We have been misled and lied to by XXXXWebster Bank for the past 2 weeks. Our money is nowhere to be found. 

By any reasonable standard, the situation is unacceptable. We believe XXXX is not following the regulation pertaining to funds availability. 

We need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EdFinancial Services
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I owed XXXX in total. I paid XXXX in XXXX ( XXXX payments of XXXX ) before interest started to accrue again. The payments were applied incorrectly across the 2 loans on the account. It over-applied {$160.00} dollars to one account and underapplied it to the other. So one loans shows a NEGATIVE amount and the other incorrectly shows me as still owing XXXX. And since, despite my several attempts to communicate with the company ( phone conversations and email ), the amount has now accrued interest and still shows that I owe XXXX and now says that it is past due. The company has never even been able to give me a timeframe for when this will be fixed. I need it fixed yesterday. This could affect my credit.

Company response to consumer: Untimely response