BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-20
Company: Experian Information Solutions 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:
I've been a victim of identity theft and having a tough time dealing with the 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 2023-09-06
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
As of XX/XX/2022 Affirm claims the following debts for the amounts of {$320.00}, {$220.00}, {$300.00}, {$470.00}, {$250.00}, and {$45.00} belong to me. These accounts however, were never opened to my knowledge and therefore have been reported to my credit as collections fraudulently. I am herby asking to have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
Reliable financial was buy by XXXX XXXX XXXX XXXX, on my credit report appear the loan by reliable with a XXXX + debt which is not correct and XXXX  no longer exist is merged into XXXX auto also XXXX   auto account appear double with two loans that are really the me with balance of over {$10000.00} plus the XXXX of reliable. The actual amount owed is {$9100.00}. The bank is requesting reports, letters, complain to fix their accountability incompetence.

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 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
WHY ARE YOU REPORTING THIS INACCURATE INFORMATION? THE BALANCE ON THIS ACCOUNT IS {$0.00} MEANING THERE AREN'T AN OBLIGATION THAT'S DUE. THE BALANCE WAS PAID OFF OVER 10 YEARS AGO. THIS INACCURATE INFORMATION IS DEFAMATION OF MY CHARACTER.The obligation was paid theres no need to have inaccurate information reporting especially when the obligation has met these types of things destroy a person 's life and character. 


THIS ACCOUNT SHOULDN'T BE LISTED AS DEROGATORY WHEN THE BALANCE AND {$0.00} AND NOTHING WAS NEVER OWED ON THIS ACCOUNT DELETE THIS INACCURATE INFORMATION. 
WHY ARE YOU ALLOWING A SCAMMER TO RUIN MY LIFE AND YOU WONDER WHY ITS 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 2021-09-06
Company: Paypal Holdings, Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
A direct deposit was loaded on my pay pal account and they limited my account after I sent in the proper documents and then permanently closed it with a 180 day hold and I still havent been able to get the funds and its been over 180 days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2022-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This last two weeks with Bank of America has been the worse. They dont value nor protect their customers identity or information. My wallet was stolen on XX/XX/2022, and BOA was made aware of the situation in person and over the phone on XX/XX/2022. I spoke with a representative in the fraud department who advised me that they would make sure that my account had added protection due to the fraud. Well fast forward a week later I received 4 emails one stating that my account was pending, account approved, verify your email, and welcome to online mobile banking. Well because I have not opened up any other account with this bank I immediately called to expressed my concern that I had not opened up an account. They transferred me to the fraud department who decided to search further based off of my social security number and seen that the account was opened with an address in another state. The issue here is how did their system allow someone to open a bank account in my name using my social. Another issue how is it I requested to dispute international fees that Im being charged incorrectly and being advised that I have to follow up with the third party. Thats not my job and no one has the right to tell me that I cant file a claim. Not to mention within all of this I go to one of their atms and my money gets stuff and Im waiting at the XXXX  for over an hour for someone to resolve the issue. This bank is horrible and I can see why they have so many lawsuits. I want all of those international fees refunded immediately, a call apologizing for allowing some to open an account in my name, and acknowledgement that they dropped the ball.

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 2022-07-24
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
In accordance to the Fair Credit Reporting act, the following creditors have violated my rights. 

XXXX. XXXX XXXX XXXX/ {$510.00} XXXX. XXXX XXXX XXXX XXXX # XXXX/ {$630.00} XXXX. XXXX XXXX XXXX # XXXX/ {$940.00} XXXX. XXXX XXXX XXXX # XXXX/ {$990.00} XXXX. XXXX XXXXr # XXXX / {$900.00} 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: EQUIFAX, INC.
State: CA
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:
There is an account on my credit report that was opened by someone else not myself. I do not know who that was as I never gave anyone permission to open accounts. I went to the police department and they gave me a police report to help me with resolving this account. I have provided this infomoration to equifax and have asked them to provide me all information and documentation on this account from the source so I can provide it to my investigator but they do not give me any such information and just keep verifying the account as mine. I know this is not what they should be doing. I know they are not even contacting the source and providing them with my police report and circumstances of my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I HAVE REACHED OUT TO XXXX XXXX AND IQ DATA, XXXX MULTIPLE TIMES. ITS STILL ON MY CREDIT, THEY ARE STILL GIVING ME THE RUN AROUND AND THEY STILL REFUSE TO REMOVE THIS!!!!! I NEED YOU ( XXXX XXXX ) TO CONTACT XXXX AND DEMAND THEY REMOVE THIS OFF OF MY CREDIT, SINCE THEY SAY ITS YOU WHO KEEPS REPORTING IT TO THEM. 

This Account was paid, closed, removed, to XXXX XXXXIQ Data in XXXX. The last 8 months or so XXXX has been reporting this account as new and every month has sent it to the bureaus. My credit scored has been demolished because of this and because its an apartment its showing on any housing that I apply for. I received a letter saying that a company has illegally obtained my information and has my information. I have called multiple times. Filed a dispute for this same account 3 times and instead of fixing this issue they keep saying that this is valid. I have spoke with them and the feedback I am receiving is more concerned with me paying another {$3000.00} instead of fixing there mistake. I have been rudely spoken to by there employees, I have been refused a manager. I have sent all proof of payment receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX has sabotaged my credit with false late payment claims when in fat the payment was confirmed received and applied to my account before due dates. It wasn't until i went to refinance that I noticed these damaging reports and when i spoke with A Hire up I was told they would be corrected and the payments where also under an agreement program in which no late fees or charges or reports will be applied. I also noticed that there reporting was inaccurate across all three consumer reporting agencies which makes these reports in accurate. I would like all late payments removed 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 2021-05-11
Company: U.S. BANCORP
State: DE
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XXXXwo weeks ago I had to submit a complaint against US bank Reliacard for {$500.00} in charges that were made fraudulently on my card because it hasnt been resolved and this happened back in XXXX XXXX 2021. Well I finally got a call from them and yet another dispute filed and was instructed to call back if I havent received that dispute form to sign and return and I have not received it as of today, XX/XX/2021 so I called back and was told that my money that was deposited today from unemployment can not be transferred onto my new replacement card and they said that its in my agreement that I forfit my money when I get a new replacement card and will forfit all my benefits that get deposited weekly for as long as they get deposited and that I can not ever get any money from them ever for my unemployment benefits since I had to get my card replaced and filed a dispute against them and filed with your company in the first place. That is {$930.00} on that cards account number that filed the dispute on and get {$420.00} weekly for the next 23 weeks that they are claiming that I will never be able to access and they will never transfer onto my replacement card. PLEASE HELP ME AND DO SOMETHING WITH THIS DISGUSTING, FRAUDULENT, FELONIOUS " COMPANY '' BECAUSE THEY ARE THIEVES! NOTHING MORE AND NOTHING LESS-THEY ARE STEALING PEOPLES MONEY AND DEFRAUDING THE GOVERNEMENT AND TAKING THE ONLY INCOME ME AND MY 4 MONTH OLD HAVE OR WILL HAVE FOR 23 WEEKS AT {$420.00} PER WEEK AND THE MONEY THAT IN MY CARDS ACCOUNT AS OF RIGHT NOW WHICH IS {$930.00}. PLEASE PLEASE HELP ME BECAUSE I CAN NOT FEED MY BABY OR PAY MY RENT OR ANYTHING NOW BECAUSE OF THIS THIEVING COMPANY

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 2023-12-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This company is reporting my uncles information to my Chex systems report. For illustration purposes I have provided my uncles drivers license. I have full permission and authorization to have my XXXX  license. He provided it to me to send to you guys. I have been a XXXX  resident for years. The license you have connected to me chex systems report is my XXXX. I have never written a check at XXXX. There are no XXXX in 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 2020-06-17
Company: Credit Systems International, Inc.
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I spoke directly with XXXX XXXX and discovered that I had a collection out against me so I paid it right then and there. I spoke with the customer service lady and signed up for a payment plan to prevent any further issues. She stated that they report the information every couple of weeks to the debt collector so they can remove it from my credit report. I then went back to make a current monthly payment and expressed to her that it was still on my credit score and she suggested I wait a couple more weeks. It has now been several months. I disputed the information on my credit report and they are refusing to remove the debt. It is still showing on there as well as XXXX XXXX  whom I have spoken with directly and they also are not valid collections. I would like to see these removed as soon as possible please. Thank you The company is Credit Systems Inc XXXX XXXX XXXX XXXX MT XXXX for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Have history of loans from financial institutes that show all are in good standing ( paid off with no issues ) but will not show or release credit score. I have contacted trans-union regarding this issue. They say they do have a credit score on my credit report, Won't tell me what it is, unless i pay for it and won't send me a credit report unless I pay for it. Even though I have been denied credit as a result of there report. When I asked why it shows a credit score on there end but not at the bank, which has turned me down for a loan as a result of that error, she said the bank was doing it wrong. I asked? so you are telling me three different loan officers at 2 different financial institutions are doing it wrong. She again went back to me paying for this information. Then told me credit report sent to me does not and will not include credit score. She then told me to go online and I could see credit report for myself. I responded I just saw my credit report at the last financial Institution and it does not have a credit score on it, but does list at least 4 loans that have been paid off in good standing. There IS NO DEROGATORY info on credit report. 
TRANS UNION REFUSES TO CORRECT THERE ERROR

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 2022-10-25
Company: Experian Information Solutions Inc.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Divorced. Court order ex wife to be responsible for payments on this mortgage account. How can I be held responsible for something I have no equity claim to, no obligation to make timely payments. The property is not mine and the balance on the mortgage should Not be included in a debt to income ratio to determine a Credit score or the ability for me to obtain a new loan on another property. I am not responsible for this loan- as ordered by the State of New Mexico. I do not have any right to the title, equity or any proceeds that there may be to ex-wife. XXXX XXXX XXXX. SS : XXXX. Remove this from my creditor report 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 explanation
Consumer complaint received 2020-06-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We charged some travel arrangements on XXXX XXXX and XXXX of 2019 using our Citibank Visa card. I became ill and was hospitalized starting XXXX XXXX and was released from the hospital XXXX XXXX with a home nurse and medical assistance. We thought we might be able to recover in time for the trip in XXXX but in XXXX my doctor said it would not be advisable so XX/XX/XXXX we called to cancel. At That time the coronavirus was just starting to cause problems. We spoke with the travel company, XXXX XXXX XXXX and they told us that because of the virus they will give us a refund. The Air tickets and hotels were to be covered by our travel insurance. We contacted Citibank and asked to dispute the charges as did our travel companions on their XXXX XXXX charge. Citibank came back saying that the XXXX company and air had a policy to not give refunds. Our companions got a full refund through XXXX. I have emails from the travel company saying that they will give a refund. Can XXXX XXXX be smarter or Citibank just not caring about us as customers?

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 2023-11-16
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22
Company: AMERISAVE MORTGAGE CORPORATION
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Back in XXXX I was trying to refinance my home with Amerisave Mortgage. XXXX XXXX is the rep I was dealing with and I was also communicating via email with a person named XXXX XXXX. On roughly XX/XX/XXXX ( and I can certainly verify that ) but I paid XXXX {$500.00} for my home appraisal. Before I agreed to send them this money I asked my rep XXXX to confirm why I was sending them this money, etc .... ( I was recording the conversation ) He said I had to pay the {$500.00} before I could schedule my appraisal. This was just the beginning of the drama and unprofessionalism I dealt with. However, I never refinanced with them because they were constantly asking me for information I had already submitted and they also had my job history screwed up. I chose not to do business with a company that couldn't keep track of my personal information and therefore I never had my home appraised, although I had paid {$500.00}. I have called this company NUMEROUS times, I have emailed my reps, I have left messages with a person that took my call on several occasions and they were to have a manager call me, to no avail. Last Thursday I believe, I called the company and the operator that answered said she would get a manager for me and then she came back to the phone and said my rep XXXX had been trying to reach out to me and transferred me to him. He answered and then immediately transferred me back to the automated system and I got another person. I told her I wanted to speak to a manager and she said she would take a message and have someone call me and I still haven't heard from anyone. I am reaching out here before I contact my bank and see what they can do to help me recoup my {$500.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation