BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-29
Company: DISCOVER BANK
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My card was declined even though I knew I had just paid the bill and was in good standing. I called Discover Card customer service and they told me they had closed the account because the Social Security office had reported me as deceased on XX/XX/2021. My husband did die on XX/XX/2021. Discover Card representative told me I could have the Social Security office conference them in and give them a verbal authorization, then they would simply reinstate the card. 

After several days of trying to reach the Social Security office, I still have been unable to speak to anyone who can take action on this. In the meantime, not only do I not have my husband 's survivor benefits, I also have no credit card. The soonest the Social Security office ( and apparently this must be done locally ) could speak with me was in a telephone conference on XX/XX/XXXX, nearly two months after his death. 

I am unsure at this time how many other of my credit cards may be affected although I know that my XXXX XXXX and XXXX XXXX cards were cancelled immediately. I pride myself on having excellent credit and this in addition to being unable to order things I need until an unknown future date is financially and emotionally a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: EQUIFAX, INC.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-09
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:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Collection Bureau of America Ltd.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is fraudulently reporting onto my credit report. They sent me a contract with no information leading to me, just a paper that had my name on it. 

They stated they had phone calls according to their records of me admitting this was my debt, I've asked for these phone calls and they have not provided them. 

IN ADDITION, I AM REQUESTING ALL DOCUMENTATION THAT SHOWS MY SOCIAL SECURITY NUMBER WAS USED AND GIVEN TO YOU, THE AGENCY, AND THE ORIGINAL CREDITOR. 

Sending me a fraud affadavit is not the solution. How can I fill out a fraud packet and I don't have any proof of my social security number being used? you sent me a contract ( which I kept and am sending to the bureau 's as well as my state attorney general ) that did not have my social security number on there ... 

That being the case, how do you know it belongs to me? That could've been anybody! And it apparently was somebody else, I've never resided at the address listed nor have my number been what was on that contract! 

If what was shown to me previously is all you have I am demanding that it is deleted NOW! Where is the paperwork with my social security number?! There isn't any!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2021-06-30
Company: Experian Information Solutions Inc.
State: NV
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:
Good Evening, I have been having an issue with the 3 credit bureaus reporting fraudulent information on my credit profile regarding XXXX XXXX XXXX I have called and sent in several letters with no resolution. I have asked several times for proof of the account listed on my profile. I have needed specified information and these companies are not able to provide. They only respond with letters stating the account is verified. 

I have asked for supporting documents and also how was the method of verification completed. Seeked out signatures, payment history, billing statements, etc. 

I have called on XX/XX/XXXX to XXXX and XXXX. 
XX/XX/XXXX Experian. XX/XX/XXXX to all three bureaus XX/XX/XXXX and XXXX to Experian. 

Certified letters has been sent to each bureaus as well XX/XX/XXXX, XX/XX/XXXX, and latest letter XX/XX/XXXX. 

I have received written response form XXXX and XXXX. The letters in response just states the accounts have been verified but no evidence of that. Experian has no sent any responding letters. Only updated info online stating accounts accurate. 

I will attach screenshots of the account being listed showing inconsistent reporting and date opened date. Also different account numbers. Please reach out of any other is needed.

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 2022-04-29
Company: EQUIFAX, INC.
State: MN
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:
There was a charge off a XXXX mortgage in 2021 in my credit report by XXXX. This is not mine and they are illigelly doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Freedom Mortgage Company
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Filed for Covid relief. Was put in the program and got the runaround till it expired. Now my house is in foreclosure!

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: AK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I experienced 4 main issues with my accounts. 

1. I set up an overdraft protection process where a savings account would be debited for times when the account went over balance. I have been charged overdraft protection fees even if this account was set up.

2. My free checking and savings account suddenly started to get deductions of account maintenance fees when they had not been present before.

3. I noted many inconsistencies with the debiting and crediting of the account balances that seemed to leave the account with lower balances than expected. I called many times to query this and was told all the amount were debited correctly.

4. I ordered a ATM card for my debit card, the card was mistakenly incorrectly linked to my mother 's account. Since then, I have not had access to a debit card on my account.

I have had some concerns over my accounts for the last two years, the debit credit system of accounts has significantly changed with Wells Fargo, with transactions failing to post in a timely manner. I have called on 3 different occasions questioning my balances and visited the branch on several occasions with those queries but seem to not be able to substantiate those inconsistencies.

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 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

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 2019-06-24
Company: AmeriCollect
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Americollect Collections after getting a credit notification about negative information on my credit report. Americollect Cllections does not have any contracts with me. After making contact with the listed creditor, who did not verify that I owe Americollect any monies for any services at all. The company did not remove the fraudulent accounts from my report. Americollect Collections is reporting the same account with different figures. 
Americollect {$330.00} Americollect {$160.00} Americollect {$160.00} Americollect {$160.00} Americollect {$150.00} Americollect {$150.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX I opened a TD Beyond checking account to secure the advertised promotion of {$300.00} they were offering. I did everything correctly but did not receive the bonus. They claim I received a bonus in the past but it was not in the preceding 12 months like their terms state. Their terms say, " Checking offer is available to new personal checking customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. '' I did not have an existing account and I completed all required qualifying criteria. The terms CLEARLY state in order to be available for this promotion, you can not have had an account in the previous 12 months. My previous account was closed on XX/XX/XXXX. I am not the greatest mathematician in the world but between account closing on XX/XX/XXXX and opening account on XX/XX/XXXX is more than 12 months. Bottom line : I did not have an existing account, I did not have an account in the previous 12 months, and I completed all requirements. I was clearly a new personal checking customer! I would like someone from TD Bank to explain how I am excluded from this promotion. Simply saying that I've had an account in the past will definitely not suffice as the terms unmistakably state the preceding 12 months. I have attached a copy of the terms for your viewing pleasure ( I even highlighted it for you ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: VA
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: FL
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:
I submitted a letter to the 3 Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX 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 2021-06-29
Company: GOLDMAN SACHS BANK USA
State: HI
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:
XX/XX/XXXX Ordered a Grill from XXXX using my Apple/Mastercard from Goldman Sachs for {$110.00}, No response from XXXX in the form of Confirmation E-mails, Shipping Dates and Tracking Number for the Product and No Product received, XX/XX/XXXX I file a Fraudulent Complaint with Goldman Sachs who handles the Credit Card, They open an investigation and I ask how long will this take and they say their policy can take up to 3 months before a decision is made. I stress to them I received no e-mails, shipping dates and no product so how could they take this long? I wait 3 months then I begin to call the Fraud Department XXXX ( XXXX ) XXXX, Monday XX/XX/XXXX at approximately XXXX XXXX. Hawaii time, spoke with XXXX, Monday XX/XX/XXXX at approximately XXXX XXXX Hawaii time, spoke with XXXX, Tuesday XX/XX/XXXX at approximately XXXX XXXX Hawaii time, spoke with XXXX, They say every time I called it's been escalated to the Upper Management Team and they are having problems with how they conducted the dispute procedure. Thursday XX/XX/XXXX, I receive a call at approximately XXXX XXXX. from XXXX and she states she is from The Office of the President Advocacy Department and says they are resolving my dispute in my favor and it should be on my Apple MasterCard Account no later than XX/XX/XXXX and if not I should call the department. No E-mail or any contact regarding this so I call back on XX/XX/XXXX and talk with XXXX at XXXX XXXX. Hawaii time and she said I need to call back tomorrow Friday XX/XX/XXXX. I call back Monday XX/XX/XXXX at approximately XXXX XXXX. and speak with XXXX who then transfers me over to XXXX who is a Total whatever, anyway I stress to her if they have confirmation E-mails, Tracking number, shipping dates I would like to have that sent to me. She said she could do that but it might take 2 or 3 weeks by Mail, I said that's RIDICULOUS but send it anyway, well NOTHING shows up!!! Monday XX/XX/XXXX at approximately XXXX XXXX Hawaii time I call and speak with XXXX, who then transfers me to XXXX who proceeds to tell me my case is so old that's why they can't find the papers and have not sent me anything. Then she proceeds to tell me how she handled her own case like this with another Credit Card Company and insinuates I should eat the cost. XXXX NO!!! I NEVER RECEIVED THIS PRODUCT, I NEVER RECEIVED ANY SHIPPING OR TRACKING INFORMATION!!! 
WHAT THE XXXX IS GOING ON " GOLDMAN SACHS ''??? PLEASE HELP ME!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-22
Company: American First Finance, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This company, American First Finance, calls me repeatedly from multiple phone numbers and before XXXX. 
For example : Today ( XX/XX/23 ) - XXXX XX/XX/23 - XXXX XX/XX/23 - XXXX XX/XX/23 - XXXX XX/XX/23 - XXXX XX/XX/23 - XXXX Between the dates of XX/XX/23 - XX/XX/23 I have received XXXX phone calls from this company, XXXX of which were before XXXX. 

I submitted a complaint to the XXXX  for changing my amount owed and ultimately scamming me, and they have been harassing me with these continuous calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are 4 accounts on my credit report that do not belong to me they are not mine I have not applied or used these accounts as well as many inquiries I need these off my credit ASAP1!!!! 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : US SM BUS ADMIN ODA Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry

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 2021-06-29
Company: Experian Information Solutions Inc.
State: FL
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:
I have asked Experian for proof of validation for several items but instead I was sent a copy of my credit report. I demand that XXXX XXXX  XXXX in the amount of {$840.00} be immediately removed from 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 explanation