BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Due to my lack of awareness with my credit, i had been previously opted in for pre qualifying offers via numerous companies, unbeknownst to me, at the time I had been trying to seek a new residence. I have a total of over 29 inquiries on my reports .... This is due to my incompetency about the pre qualifying offers. Due to these, I have been rendered homeless, unable to rent due to my credit score and the alarming rates at which they appear on my reports. 

When researching he said inquiries as well, even after I had opted out of all of those offers, I went to purchase a car, due to the previously alarming set of inquiries stated, I then was denied by numerous lenders for a vehicle. 

Also too I had written to transunion less than a year ago asking them to please kindly remove all of my info from their systems due to the fact that it states in their terms of service that they reserve the right to sell your identity, Lets also not foget XXXX XXXX. 
They are refusing to remove my sister and my mothers information from my report with them as well. I have asked them what I am to do because they want their drivers license numbers and their social security numbers to prove im me. How is this possible when those two people arent even suppose to be on the report! none the less the info is outside out level of expertise. AND THEY ARENT ME they need to be removed. Pronto please this is so important.

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 2021-06-01
Company: EQUIFAX, 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: Account information incorrect

Complaint:
1.XXXX  balance is incorrect and I have never paid late 2XXXX 's XXXX was added to my credit report in error this is not my account XXXX XXXX was added to my credit report in error this is not my account These items along with others have been disputed with the credit bureaus and still show on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
Dear Official, My name is XXXX XXXX and I am an American express loyal member. I am writing this with great hope that I will get some help. 
I started using Amex credit card since last year. I booked my air tickets for XXXX in business class in XX/XX/XXXX for travel in XX/XX/XXXX using Amex travel benefits. I was all set for my trip but when I checked my tickets before travel, it showed that my tickets and my hotel reservation was cancelled. I did not get any notification prior to cancellation nor refunds. I called Amex customer service, they were clueless about this, they had no idea what had happened and why were the tickets cancelled. 
The only option I was provided was to buy new tickets which were more expensive I had to pay {$900.00} extra and that too not in business class, in economy premium. They said that we investigated the case and its due to fradulent activity which they are not responsible for. 

This is very disappointing, the only reason i became a member of Amex was their travel benefits. Now it seems a scam to me. 
The customer service is not helping at all. Nobody has helped me in solving this issue. The worst part is, I wasnt informed at all. I didnt expect this from a highly reputed company. 
On the otherhand, When I spoke to one of the customer care service representative regarding my hotel reservation cancellation and requested them to find out what had happened they lied to me saying that they are not able to contact the hotel.Later they called me and said we can give you courtesy XXXX $ for inconvenience which I refused to take. At this moment, i would expect that Amex should feel responsible for the loss I faced including the cancellation of my tickets without informing me with no refund issued. Even if its a fradulent activity, they should be aware of it and should compensate/share the loss with me. 
Thanks in advance. 

XXXX XXXX Amex credit card # ( last 4 ) -- XXXX. 
Trip ID XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: EQUIFAX, INC.
State: AZ
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/2021 I sent a letter regarding inaccurate and unknown items on my credit report. Over 50 days later i have not received a response and i feel I'm being taken advantage of because they're ignoring my disputes. Section 611 ( a ) clearly states if failure to investigate these items within 30 days they should be removed. It's been over 50 days and I demand they be deleted immediately or I will seek litigation. My information was impacted by the Equifax data breach and may have been in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: WELLS FARGO & COMPANY
State: WV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Complaint after complaint, with Wells Fargo, only to be lied to over and over! 
In XXXX we began making house payments. I have shown you over and over that because of the illegal actions by Wells Fargo and companies. Receiving foreclosure notices by the second payment. XXXX alone in XXXX of XXXX. 
The 2005 statements that are all different and payments made to Wells Fargo! Im complaining about the payments that started disappearing from month to month. From XXXX we have sent on enough to prove that we have been the victim of Wells Fargos illegal actions from the first payment. To the loan modification that in one month we made 3 separate payments! When will Wells Fargo actually be help accountable for all the years of blatant theft fraud and knowingly continuing the illegal actions until XXXX or later? I have sent in proof of the amount of payments we made that just disappeared.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: EQUIFAX, INC.
State: AL
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:
The information on my Equifax Credit Report with XXXX XXXX XXXX XXXX is incorrect and over 17 years old, it has been deleted from my credit report over 5 times. It was just removed XX/XX/XXXX and now it's back on my Credit Report. Under The Fair Credit Reporting Act Summary of Rights " a Consumer Reporting Agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than 7 years old, or bankruptcies that are more than 10 years old. This information was placed on my Credit Report in XXXX. My rights are being violated and I am seeking damages in State and Federal Court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I logged in to review my financial aid today on nslds. Something has seemed off with the amount of my loans for quite some time. Upon loggin in, I found that when my loans were supposed to be consolidated into one loan, they were actually consoidated into two separate loans, with amounts very close to each other, on the same date, and now I owe double what I should owe. There is no way to retrieve information the the original services or original dates or the original loans, but, based on the ones that are showing up as saything they were paid in full by consolidation, the amounts of those loans are around {$19000.00} in total.

However, I have 2 condolidated loans now that show they are around {$17000.00} EACH and a balance of around {$48000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Synter Resource Group, LLC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2018 From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX To : Synter Resource Group, LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX This letter is sent in response to a letter I received by you on XX/XX/2018. I am requesting that you provide validation of this debt. I have been in contact with XXXX as well as my local sheriffs office numerous times to report this account as fraud, as I have never opened an account with XXXX. However as neither XXXX nor your company clearly understands my complaint, I will be formally filing an intent to sue as well as lodging complaints with the XXXX, XXXX and XXXX  Attorney General, CFPB, and other relevant agencies. Civil and criminal claims will be pursued against both your company and the original creditor for violating FCRA 623 ( a ) unless you formally remove any and all of my information from your systems within 30 days of receipt of this notice. I highly suggest you heed my warning.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
One XX/XX/18, I discovered a fraudulent ACH transfer made on XX/XX/18 from my Bank of America Small Business Checking, one day after the amount had posted to my account. On the next business day ( XX/XX/18 ) I called both the bank and the merchant ( XXXX XXXX  ). Bank of America told me to fax in a claim ( which I did immediately ), and XXXX XXXX agreed that the transaction looked fraudulent ( they had no indication or proof that I had requested, initiated, authorized or approved the ACH transfer ). XXXX said I merely had to dispute the charge through my bank, Bank of America, and that they would quickly reverse the ACH transfer ( which had been deposited into their XXXX XXXX   account, on behalf the individual who fraudulently requested the transfer ). For the last two months I've been told that my claim was in review at Bank of America ( many calls to check in on it ). Bank of America then denied my claim, stating that the receiving bank/merchant had declined to reverse the charge. In phone calls with XXXX, they claimed that they would immediately refund the transfer if it was disputed by my bank. However, my bank said it was declined. Bank of America has provided no proof that XXXX and/or the receiving bank had authorization from me for this ACH payment, nor will they even send me documents to prove that they made the dispute. The ACH payment was made to a company I've never heard of and have never done business with.

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 2017-06-27
Company: EQUIFAX, INC.
State: NY
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:
Several loans which are currently being serviced by XXXX have incorrect loan balances and interest amounts. For example, XXXX loan # XXXX is being calculated based on orig. principal of {$3500.00} and fixed interest of 6.80 %. However, orig. principal amt should be {$1600.00} due to a portion of the loan having been cancelled and never disbursed. Additionally, this loan has a fixed rate of 4.50 %. There are several loans being fraudulently treated this way. XXXX is also reporting a much higher balance due on my loans because of the fraudulent way it is being calculated. I advised them of their mistake on several occasions ( XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ) but they have refused to fix the info on file. They also have not acknowledged payments made on this loan while it was handled by XXXX and XXXX between the years XXXX through XXXX. When XXXX received the loans, they did basically erased all prior payments from the loan history and on their website, and essentially restarted the loan and repayment with the allegedly orig loan amount without including prior payment made by me - they basically inflated the numbers to increase their income.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-05
Company: ENCORE CAPITAL GROUP INC.
State: PA
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 pulled my credit report 8 months ago ( and again yesterday ) XXXX XXXX XXXX shows 2 accounts in collection ( they are not listed as original creditor ) I requested full validation of debt, and after 8 months of requesting it or demanding removal, they still have done neither, in full violation of FCRA. They have not validated because they can not. When I file complaints, they respond that they have validated so, since they claim they did, and I claim they have not, I request they send full, complete validation to you, if they fail to include in their reply to you, they must remove any account they have listed from all 3 of my credit reports in accordance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: EQUIFAX, INC.
State: KY
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:
XXXX/XXXX  XXXX  closed/late - XX/XX/2018 balance {$1900.00} - reported on Equifax and XXXX  XXXX  XXXX  ( ORIG CREDITOR : XXXX ), XXXX XXXX   XXXX, XXXX XXXX XXXX  accounts do not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XX/XX/2019 I opened a XXXX store brand credit card. At the time I was working to repair my credit with a score around 500 and 5 accounts in collections. After paying off 4 of the accounts in collections and improving my score by 100 points Synchrony bank closed my account based on my credit report. My account was in good standing and on auto payment.

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-07-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$6500.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.

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 2021-09-16
Company: EQUIFAX, INC.
State: WI
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim on identity thief. 
I have tried to get XXXX  to send the proof of this charge on many occasions but they will not. I call and they say tough i need to pay. This was a frogulant charge and I filled a police report. 
There is no emails, texts, merchant receipts or signatures on this. 
I originally had my secretary open this dispute with XXXX  and she filled the wrong name. A week later we noticed the wrong name and resubmitted this dispute as fraudulent with correct name. This inturn made XXXX  not open a dispute. They said its mine when there is no evidence that it is. I have tried to work with them and explain this is fraudulent but they refuse to care. This is not my charge and my card was used without my knowledge.

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 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020, certified mail letters were sent out to all three credit reporting agencies : XXXX, XXXX, and Transunion to dispute unverified items on my credit reports. I was simply just asking for some proof or verification of the information they have on file for me. It has been more than 30 days and I have yet to receive any proof of any sort of verification in regards to the information that I disputed. The information that is on my report continues to be unverified.

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I've recently received my credit report and upon viewing, noticed some fraudulent activity on my report. I've filed an idenity theft report ( reference XXXX ) in regards to these unauthorized accounts. I've disputed these accounts with transunion, XXXX and XXXX, which they said its been verified. I don't know what else to do but file a complaint, because these inquiries are unauthorized. The following accounts must be removed immediately ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Futhermore my information was used and I recieved no benefit, these must be deleted immediately. Idenity theft report number again is XXXX is harming my character and i will seek counsel for suit if not removed and updated and sent a copy of credit report showing the updates of deletions.

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