BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-26
Company: Roycroft Management
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have been contacted, as well as my family members, repeatedly, sometimes 10 times a day by Central Mediation Services saying that they are going to serve me with papers. They have called for over a week ( XX/XX/XXXX through today, XX/XX/2019 ) They have even told my family if I don't contact them, that they may never see me again. This is not ok! I called them and they will not provide me with documentation of the debt. I will not provide them with personal information so they hang up on me after saying some very not appropriate things. i have called multiple times only to be treated rudely and hung up on. I have asked for an address, but the address that they gave me does not come up in a search. 
They continue to call family and harass them. They tell them I have debt that needs taken care of or I will go to jail. If it is legitimate, then they should have documentation to send me. I need this to stop!

Company response to consumer: Untimely response
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: NH
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: Atlanticus Services Corporation
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Someone has been getting credit in my name with very little information about me and have been able to get approvals due to my excellent credit rating. As a result, my information is also getting mixed up with someone else 's information. 

The companies are as follows : FortivaXXXX. Amount owed : {$0.00} US Dept of ED. {$1200.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX  {$92.00} XXXX XXXX  {$120.00} Inquiries : XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : 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 Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 am writing to bring to your attention an issue concerning my credit report. On XX/XX/XXXX, I contacted TransUnion regarding the following inaccurate information on my credit report, but as of this date, I have not received a response. I am providing the details of the inaccuracies and the required corrections for your reference : The account with the name " XXXX XXXX '' ( Account Number : XXXX, Date Opened XX/XX/XXXX, High Credit {$10000.00} ) is not mine. I kindly request the removal of this account from my credit report. 


The account under the name " XXXX XXXX '' ( Account Number : XXXX, Date Opened XX/XX/XXXX, High Credit {$2000.00} ) has never been late. I request that this inaccurate information on my credit report be corrected/updated accordingly. 


The account under the name " XXXX XXXX XXXX '' ( Account Number : XXXX, Date Opened XX/XX/XXXX, High Credit {$520.00} ) has never been late. I request that this inaccurate information on my credit report be corrected/updated accordingly.

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 2023-08-08
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 implore you to promptly update my account as I have consistently made timely payments, and the current situation is causing me a significant amount of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am requesting that you take appropriate action to investigate and remove them 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 non-monetary relief
Consumer complaint received 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX  for XXXX XXXX was previously removed from credit credit report and reappeared.

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 2023-08-08
Company: EQUIFAX, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Wells Fargo Institutional Trust SVCS. Phone number XXXX has sent me erroneously codes 1099 Rs twice. I called and the sent the wrong form again. I called again and they said they would send out the correct forms on XX/XX/XXXX. I called back and they said they had not sent them. I need these 1099 Rs to file my taxes. I am running out of time to file on time. They 1099 Rs were coded as early withdrawals but I am XXXX so they should be coded as 1099 R 7, not coded as a 1 and a 2 like they were.

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Dear Sir/Madam, I am writing to formally dispute and request the removal of unauthorized hard inquiries listed on my credit report. These inquiries were made without my consent or authorization, and I have not applied for any credit or services associated with these inquiries. The unauthorized inquiries negatively impact my credit score and financial well-being.

Here are the details of the unauthorized hard inquiries : I have not initiated any financial transactions or applications with the aforementioned creditor/company on the date mentioned. Therefore, I request a immediate removal from my credit report. 

Enclosed with this letter are copies of supporting documents that demonstrate that I did not initiate these inquiries. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. I believe that the inclusion of these unauthorized inquiries violates my rights under the FCRA. 

Please consider this letter as a formal dispute under the FCRA. I appreciate your prompt attention to this matter. 

Thank you for your cooperation in resolving this issue.

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 2019-09-15
Company: AMERISAVE MORTGAGE CORPORATION
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019, I completed a blanket online refinance inquiry form. Upon completing it, I immediately received a call from XXXX XXXX from Amerisave Mortgage. He briefly explained how Amerisave was voted number 1 in customer service and how they could best service our refinance. He described how, if we agreed to the terms by the end of the evening, we would receive our appraisal fee back at closing. He also camouflaged our fees, stating that it was " basically like a free mortgage '' because we would be getting some money back at closing. Their rates were very competitive so we agree to move forward. Communication was okay up to the date of our appraisal. The appraisal was terrible. In no way it even remotely acceptable. I contacted Amerisave and spoke with XXXX XXXX, XXXX assistant. ( After the initial conversation, I never heard from XXXX again ). XXXX reviewed the appraisal and agreed that the comps were not appropriate and said he would request that it be reviewed. He instructed us the next steps and told me to get CMAs from real estate agents as evidence. The next day, I received an online notice that our loan had been denied due to incomplete information. At that point, all communication stopped. I reached out to the appraisal company and got a second appraisal, it did improve but was not where it should have been so I had two real estate agents pull rolling CMAs and they both came in about where we should have been. I submitted all of this information and never received a response. After weeks of calling, emailing, and leaving voicemails, I finally got a hold of XXXX 's boss, XXXX XXXX. He was very apologetic and ensured me that they would get us taken care of. He stated XXXX and XXXX would be held accountable for their behavior. He would be handing out file over to one of his direct reports and I should hear something by Monday. He promised that we would get our loan reopened and reviewed in hopes of having it funded. We have never heard another word. Neither did the appraisal company. I had to send over a copy of the screen shot or our loan denial due to " incomplete application '' to finally get a copy of the appraisal we had paid for ( {$500.00} ). Amerisave gave false promises, lured us in under false pretenses, and failed to follow through on their side resulting in the loss of a consumer 's {$500.00}, countless hours, and the clean up confusion with our current mortgage companies expecting to be paid out. This, next to a rental car company, has been the worst consumer conspiracy experience we have ever encountered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have a number of inquiries on my Transunion credit report that are fraudulent and needs to be removed as they are affecting my credit. 
Dispute XXXX XXXX inquiry from XXXX XXXX XXXX XX/XX/2023. 
This is a fraudulent inquiry that was not made by me and needs to be removed. 
Dispute XXXX  XXXX inquiry from XXXX XXXX dated XX/XX/2023 This is also a fraudulent unauthorized inquiry not made by me and needs to be removed. 
Dispute XXXX XXXX inquiry from XXXX XXXX XXXX dated XX/XX/2023 This is also a fraudulent unauthorized inquiry not made by me and needs to be removed. 
Dispute XXXX XXXX inquirie from XXXX XXXX dated XX/XX/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 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
IVE HAVE SENT SEVERAL COMPLAINT LETTERS, NO REPONSES BACK OR RESULTS I CALLED SEVERAL TIME AND IVE BEEN TOLD TO WAIT AND IVE WAITED TILL NO RESULTS FTC REPORT WAS SENT ALONG WITH MY COMPLAINTS ASWELL, THESE INCORRECT ITEMS ARE EFFECT MY LIFE TREMENDOUSLY

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 2023-10-06
Company: Experian Information Solutions Inc.
State: CO
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 have over a year i have been disputing these accounts on my credit profile. 

US Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX they are reporting incorrectly which is hindering me from the proper use of my credit.

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 2023-11-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
They were in my account and overdraw my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: SD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I'm not able to find my credit report or know my fico score. I am trying to build my credit because I've never in my life applied to receive a credit card and want to know if I'm eligible. I can't get the information I need. I looked on been verified and it tells me I'm I need to know. I was trying to make an inquiry about my credit score and fico. When I would type in my SSN, It would tell me that's a SSN for another person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello, I have the unfortunate news that Capital One has decided to to bait and switch me as a customer with their signup offer. I applied for a Capital One Spark Card on XX/XX/XXXX, which was the final day of the Spark offer in XXXX, application must be submitted by XX/XX/XXXX. The signup bonus was for XXXX points after {$5000.00} spend in the first three months and an additional XXXX points. I am not being told that because I was not approved until the next day that they will not honor the terms of my application. I was never denied for the card and this all occurred under my original application. I would like to report this flagrant bate and switch by Capital One and their unwillingness to honor the terms of their agreement after many phone calls where I presented them with this opportunity. 

Terms of Signup at time of application : Capital One Spark Miles for Business. Earn XXXX miles when you spend {$5000.00} on your card within three months of opening it. You'll get XXXX bonus miles when you spend {$50000.00} in the first six months. 

Offer I ended up receiving XXXX miles points after XXXX spend within three months. 

Here is a link to a blogger summarizing the expiration date and terms of the offer : https : XXXX https : //www.businessinsider.com/last-chance-capital-one-spark-business-card-offers Attached is a screenshot of my application confirmation email and the approval email on XX/XX/XXXX. That approval email on the XXXX was my first indication that they had something incorrect with the signup bonus. 

I called immediately on the XXXX to discuss what had occured and they told me to wait until I received my credit card so that they could ensure the account creation. I waited and once I received the card I called back on XX/XX/XXXX, they escalated the case and as of XX/XX/XXXX they had decided not to honor the signup bonus. I followed up with Capital One XX/XX/XXXX to try and discuss it and was told they had no one to escalate the case to as it was final. 

I am concerned with the ethical behavior of Capital One and it makes me concerned to do further business with them as this is a very simple and straightforward signup case that they will not stand by. I can only imagine how they may choose to do business in the event of a much larger transaction issue. I believe consumers need to be aware of their business practice of bait and switching signup offers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the Fair Credit Reporting Act, The list of accounts has violated my federally protected consumer rights to privacy and confidentiality. Under the law 15 USC 1681. ( XXXX Account number XXXX ) Replace this with the accounts being disputed has violated my rights. 

15 USC 1681 section 602 A States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, 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 earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: FL
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 sent a dispute letters to credit bureaus about fraudulent inquires attached with FTC report and driver license for them to remove inquires that were not authorized by me which they ignored.

Company response to consumer: Closed with explanation