BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: IN
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:
Account information is inaccurate across the 3 bureau 's XXXX XXXX XXXX Reported : 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 non-monetary relief
Consumer complaint received 2023-06-10
Company: Experian Information Solutions 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:
I called the credit reporting agencies and let them know the inquires in the documents are not to be on my consumer report. I never gave them any consent.

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 2017-05-09
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An account is listed on my Experian Credit Report from a collection company  XXXX   XXXX   XXXX  Account #  XXXX . Experian has listed this account as open derogatory account with the open date of   XXXX   XXXX   XXXX  . I have contact Experian multiple times and disputed this account multiple times a well stating each time that I do not owe this amount. I have also contact the company as well and they refuse to provide any contracts or signed documents stating that I owe this debt. I received a signed copy from the  Civil Court Judge that this case wa s Settled on   XXXX   XXXX   XXXX  . A year before this collection company stated that the account was open. This Closed/Settled account that is being reported is keeping me from being about to obtain credit because it is listed as a open-derogatory account.I also called Experian on today about this matter and the Representative that I spoke with stated that they do n't ask for documentation to verify that someone owe a debt. They just send the information to the collection agency and they selected if they verified it or not. Which is a violation because under the FCRA to have properly verified the accuracy of an account listed on my credit report.

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 2022-03-13
Company: Experian Information Solutions Inc.
State: OH
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX refuses to remove negative payment history from my credit reporting. 

I purchased a XXXX XXXX XXXX for my husband in XXXX of XXXX, but we have since been divorced. The divorce filing was finalized on XX/XX/XXXX, which states, Husband shall retain the XXXX XXXX XXXX, titled in his name, free and clear of any claim of wife. Husband shall be responsible for the loan on this vehicle to XXXX, held Wifes name, holding wife harmless from collection there on. 

I filed a dispute with Experian in XX/XX/XXXX. On XX/XX/XXXX Experian reported the my credit file had been updated, but the negative payment history was not removed from my report and my credit file was updated and it was suggested that I reach out to the lender to file a dispute with them. 

I contacted XXXX XXXX on XX/XX/XXXX and was given a direct fax number to the department that handles their disputes. I faxed a copy of my divorce decree to support the dispute on XX/XX/XXXX. I also filed disputes with Experian, XXXX and XXXX at that time and provided supporting copies of my divorce decree. All have resulted in some sort of update to my credit report, however, the negative history remains. Additionally, I received a loan extension agreement from XXXX dated XX/XX/XXXX. I was never consulted about the extension agreement prior to being put into place. 

This is very damaging to me as I was forced to purchase my home at a higher interest rate, and am currently trying to refinance, but am unable to until my credit score increases and the {$20000.00} debt no longer impacts my debt to income ratio. Per my divorce decree my ex husband, his lawyer and XXXX XXXX had 45 days from finalization of the decree to have this issue corrected. As a result, Ive paid an incredibly significant amount in interest on my home loan that was unnecessary and has put me and my children under significant financial 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 2017-05-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had an investigation done on my credit report. I found out that this collection company and the original does n't belong on my credit report. Now, that I found this out I would like to have this collection removed. Just as well as remove the  XXXX   XXXX   XXXX  account  XXXX . I am going to provide the removal letter as well for my records. Also, I provide my credit report with the  XXXX  account on my report as well.

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reinvestigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2021-03-18
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2019, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Paypal Holdings, Inc
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/21 I spoke to XXXX XXXX XXXX XXXX and XXXX to close my paypal account and they did not close the account. XXXX stated i did not verify my identity. 
I want my account closed {$25.00} for my time and trouble The {$32000.00} refund sent to my bank, cryptocurrencies sold and proceeds mailed to me by check. I can not and will not do business with paypal as they repeatedly have failed to cooperate in good faith. If they try to cheat me on the cryptocurrency sale or proceeds i will coplain to the federal government.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-13
Company: ALLY FINANCIAL INC.
State: OH
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: Problem with personal statement of dispute

Complaint:
Ally Financial refuses to remove negative payment history from my credit reporting. 

I purchased a XXXX XXXX XXXX for my husband in XXXX of XXXX, but we have since been divorced. The divorce filing was finalized on XX/XX/XXXX, which states, Husband shall retain the XXXX XXXX XXXX, titled in his name, free and clear of any claim of wife. XXXX shall be responsible for the loan on this vehicle to Ally, held XXXX name, holding wife harmless from collection there on. 

I filed a dispute with XXXX in XX/XX/XXXX. On XX/XX/XXXX XXXX reported the my credit file had been updated, but the negative payment history was not removed from my report and my credit file was updated and it was suggested that I reach out to the lender to file a dispute with them. 

I contacted Ally Financial on XX/XX/XXXX and was given a direct fax number to the department that handles their disputes. I faxed a copy of my divorce decree to support the dispute on XX/XX/XXXX. I also filed disputes with XXXX, XXXX and XXXX at that time and provided supporting copies of my divorce decree. All have resulted in some sort of update to my credit report, however, the negative history remains. Additionally, I received a loan extension agreement from Ally dated XX/XX/XXXX. I was never consulted about the extension agreement prior to being put into place. 

This is very damaging to me as I was forced to purchase my home at a higher interest rate, and am currently trying to refinance, but am unable to until my credit score increases and the {$20000.00} debt no longer impacts my debt to income ratio. Per my divorce decree my ex husband, his lawyer and Ally Financial had 45 days from finalization of the decree to have this issue corrected. As a result, Ive paid an incredibly significant amount in interest on my home loan that was unnecessary and has put me and my children under significant financial 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 2023-11-02
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Ive been trying to keep up but the interest rates Ill never catch up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Wells Fargo was offering a {$250.00} bonus for new checking accounts. I opened a new account on     XXXX   XXXX   XXXX   and fulfilled the below requirements : " Open a new, eligible consumer checking account with a minimum opening deposit of {$25.00} ( not including the bonus ) by   XXXX   XXXX   XXXX       Within 60 days of account opening, either make  XXXX  purchases/payments with your  Wells Fargo   XXXX   XXXX  or establish a qualifying  XXXX   XXXX  of an accumulated {$500.00} or more to the consumer checking account opened for this bonus offer.     The  XXXX  debit card purchases/payments must be from the primary linked consumer checking account opened for this offer.     A qualifying  XXXX   XXXX  is your salary, pension, Social Security, or other regular recurring monthly income, electronically deposited to your consumer checking account by your employer or an outside agency. Transfers from  XXXX  account to another or deposits made at a banking location or ATM do not qualify as a  XXXX   XXXX . '' I made the required debit transactions by  XXXX / XXXX /  XXXX   within the 60 days, however the {$250.00} bonus never posted.     I followed up to ask when I could expect this and was told it can take up to 45 days. 45 days came and went and I sent a follow-up after 51 days. I was then told that it would be another 14 days to investigate but those 14 days also came and went.     I also stopped into a branch on multiple occasions during this period and had a banker trying to help on my behalf, asked me to electronically sign something on her electronic keypad for verification ( although it was never shared with me what I signed. ) She said she would call me back to follow through on whether I had received the bonus but I did n't hear back from her either.     I am including paperwork that includes the bonus offer code "  XXXX  '' that would seem to infer that  Wells Fargo  was going to award me this offer after fulfilling the requirements.

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 2023-09-22
Company: EQUIFAX, INC.
State: RI
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:
I opened XXXXXXXX XXXX XXXX  and made minimal transactions, which I immediately paid in full after every purchase made. My last purchase was less than {$25.00} back in XXXX  which I paid in full. Since XXXX I have been assessed {$6.00} every month with {$40.00} late fees and {$99.00} annual fee. I have paid beyond so much in fees totally far more than my total transactions ever made with this credit card. To add insult to injury I was reported 90 days delinquent to the credit bureau. These reporting have drastically lowered my credit score and has decreased my available limit with other creditors. 
I feel I have been punished to the max for a credit card I do not use and do not owe for an actual purchase. XXXX activity since XXXX  I am a single mother that worked hard to repair my credit and I recently purchased a 2 family home. I restored my credit and excellent payment history. 
XXXX  XXXX  who is with the XXXX XXXX XXXX has ruined my credit and have taken substantial amount of money consisting of ONLY fees. I stopped receiving calls and I recently realized I was reported 90 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i just find out that on my credit borough reports i have 3 collections in a small amount in a total of {$450.00} 1. XXXX/XXXX  XXXX, $ XXXX, 2. XXXX XXXX XXXX XXXX, $ XXXX, 3. XXXX XXXX $ XXXX. 

I don't know what is about, i just can guess according to original creditors names ( whish i found on credit reports ) that its medical outstanding bills. I never received any letters/notices from Collection/Or-and/Original creditors that i own some money. 
I am a medical provider too, in case i want to put patients for the collection I am always mail them certified green mail card which must be signed by the patients. Then i am allowed to put patients for collection because i have received proof that the patient received a notice. A few month ago some collectors was trying to call me about some outstanding amount, they just verified my name, but when i asked them Can you please email me or mail a bill/statement from original creditors so i can Verified where is the source of my outstanding but I WAS HANG UP THE PHONE immediately, for me looks like that just they just want verified my name and its more than enough to put me in a collection. 
Another way, because i have very valuable time I would like to pay these outstanding balance and forget about this., and unfortunately i am unable to do it because when i have clicked on Transunion , XXXX  , and XXXX  collection names I DO NOT HAVE ( website link ) an OPTION to pay it OFF. I did search by creditor names on line and its brought me to their subcontractors websites where they offer some some credit card and other things. 
For Example on Transunion Credit Borough I have clicked DISPUTE button and its brought me to : XXXX XXXX XXXX XXXX Its Not fair to me, like i mentioned above i would like to pay OFF a balance i have and even not to thing what is about. BUT i do not have an options to do it on their website. I have made a few calls by the name i found of my credit reports and i was switched to companies who offer some services to clean up a history for monthly fee etc.

1. The reason is it has to be removed from Transunion, XXXX  and XXXX  that is NO link from original creditors/or collection agency to PAY OFF a collection Balance.

2. Transunion, XXXX  and XXXX  must have received a confirmation from original creditors that debtors have received a notification ( NOT just phone calls to verified the Names and hang up the phone after )

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 2023-02-02
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX / XXXX has violated my rights.

15 U.S.C 1681 Section 602 A : State I have the right to privacy.

15 U.S.C 1681 Section 604 A. section 2 : It also state 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 non-monetary relief
Consumer complaint received 2021-08-02
Company: BARCLAYS BANK DELAWARE
State: WI
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:
2 charges made on XX/XX/2019 for {$91.00}. called and filed dispute. Received letter on XX/XX/XXXX acknowledging dispute and letter XX/XX/XXXX asssigning case # and a form to fill out which I did and returned. Letter XX/XX/XXXX & XXXX again mentioning dispute and case # 's. 
XX/XX/XXXX letter indicating closed account for investigation purposes. Letter on XX/XX/XXXX indicating that I do not need to " pay any portion of the disputed amount ''. Continue to receive statements and was also charged a fee for not paying. Have called numerous times and talked with dispute department and fraud squad and still nothing is solved. 
In the meantime I am being billed and charged fees. The company is Barclay Card.

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