BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-09
Company: Credit Corp Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Credit Corp Solutions on XX/XX/01. They are attempting to collect a debt on behalf of XXXX. Credit Corp phone number is XXXX. Their reference number is XXXX. They provided the last four digits of the XXXX account number as XXXX. The amount they are attempting to collect is {$38.00}. 

I called Credit Corp to inquire about this. I have never had a XXXX account. The letter had my name XXXX XXXX and my address XXXX XXXX XXXX XXXX GA XXXX on the letter. When I called they informed me that the email address attached to this account was XXXX. I informed them that this email address was not mine but my ex-wife 's. They told me I still had to pay or it would report on my credit report. They offered to settle for {$20.00}. I declined the offer because it isn't mine. 

I called XXXX and they have no record of the account. They have no accounts for me based on my name, email or SSN. I requested a letter from both Credit Corp and XXXX clearing this matter and both said there was nothing they could do. 

This is not mine and there is no evidence to the contrary. I do not want anything reported against me to the credit bureaus and I would like a letter from the creditors assuring me this has been cleared up and will not be an issue going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: GA
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, Account - XXXXXXXX XXXX XXXX has violated my rights 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 an account without my instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: CO
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX : {$30000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: GOLDMAN SACHS BANK USA
State: MI
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:
On XX/XX/XXXX, I made a purchase at XXXX using my Apple Card in the amount of {$1100.00}. XXXX days later, I received an email stating my package has been delivered. I went to get the package and there was no package. I reviewed security cameras and no delivery courier ever came to my home that day. I immediately phoned the merchant to inform them that the package was not delivered. They advised me to contact XXXX and handle it on my own, stating there was nothing they could do. Upon investigation, XXXX determined the package was lost or stolen in transit. The merchant was notified of this outcome. The shipper, XXXX, has indicated they have informed the merchant of this finding many times as well. I have contacted the merchant several times by phone, chat and email and they have refused to provide the merchandise. 

I filed a dispute with Apple Card for this transaction on XX/XX/XXXX. I was issued a provisional credit in the amount of the disputed charge. XXXX  months later, the dispute was closed under the reason : " The merchant provided sufficient evidence that you made the purchase ''. Im not disputing that I made the purchase, but rather that the merchandise was not provided. 

I have reopened this dispute many times, which are again denied on the same basis. I reinitiated the dispute again 2 days ago. When I reach out to Apple Card customer care, I get a form response stating they will get a supervisor to look into it. I have submitted evidence of the merchant refusing to give me the merchandise or refund. I don't believe there are actual human beings looking into disputes at XXXX XXXX XXXX XXXX XXXX. Each communication seems like a canned response and they do not seem to understand what is going on. I placed the order on XX/XX/XXXX, XXXX months later I still have not received the merchandise. I will not pay for items that I have not received. My last correspondence with the merchant in XX/XX/XXXX indicated that they will ignore my requests to get the merchandise. I have no interest in continuing to beg for the merchandise for which I have paid. I find this unacceptable. XXXX keeps putting this charge back on my card. This is tying up a portion of my credit limit. From my perspective, XXXX XXXX is assisting the merchant by continuing to let them hold my money/property and not giving me the merchandise. All parties involved are jeopardizing my credit. I have spent hours trying to rectify the situation. This has been the worst customer service experience Ive had with any company. Ive attached some screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX, XXXX and equifax are in violation of reporting credit card balances and credit cards payments when 15 U.S. Code 1681 says that it should be excluded. 


report containing information solely as to transactions or experiences between the consumer and the person making the report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family 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 2021-05-16
Company: EQUIFAX, INC.
State: AL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There has been some information that has been reported on my file. I am a victim of identity theft with the incorrect items being out on my credit report. I have reached out to each credit bureau but no changes have been made. This time, I reported the Theft Affidavit. I am a mother XXXX XXXXXXXX and I would like to get a home for my family and I but its been hard because of these. I would appreciate it if you guys would take care of this immediately as it is hindering me. This issue is frustrating and I just ask that I can be assisted in any way to help my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
A few weeks back, when I logged into my Citi XXXX points center ( XXXX ), I found that the total balance of the XXXX points is less than what I remembered a few months ago. However, after checking the point history, I could not find any point deduction activities listed. That's when I called the Citi bank customer service and asked for an clarification. I have waited a long time on the call and the customer service eventually came back and mentioned to me that XXXX XXXX  points ( which equals to ~ {$1600.00} in travel credits ) were forfeited from my account. However, she couldn't find the reason behind it and asked me to call back in a few business days. I did call again today and wait a long time before the customer service told me that he still does not have an answer, and the original request seems to be closed? I was so frustrated since this is a large chunk of points which I have accumulated over the years. I have been saving it so I can use them when I need it. Since he mentioned if I have closed any accounts in the past few months, I did a deep dive into my online account and found that one of my credit card ( ending in XXXX ) was closed 5 months ago ( XX/XX/2020 )! However, I did not request Citi to close any accounts for some time, and received no communication regarding this closure at all! It was in mid- XXXX and just the beginning of the pandemic. Everything was in chaos and I was moving from XXXX to XXXX during that time, which Citi can check in their system for my address change request. I was curious about the timing when Citi closed my account - is it related to the pandemic? I still have a job and was considered risky? What made me frustrated and being deceived is that there was no communication and the only way I found it today was through the communication center inside my online account. This is totally unacceptable, and should not be the way Citi treats its customer. I have been with Citi for 7 years now and never missed a payment. I had that card for more than 5 years and all the XXXX XXXX  points were accumulated one by one when I was trying to save for my dream vacation! I felt so XXXX  and would like citi to reinstate my account ending in XXXX and restitution of all my XXXX  points. Thank you!

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 2023-08-31
Company: Experian Information Solutions 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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to 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 explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: AZ
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:
Why do they report my name wrong in this report. They have the wrong person in these accounts please use my correct name as my drivers license and social sec XXXX XXXX XXXX the other person is not me. Please REMOVE NOW *** Violation of My Rights under the FCRA and Failure to Provide Method of Procedure in Adverse Action*** I am writing to address an ongoing issue with XXXX, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I have made multiple attempts to correct a problem regarding certain inaccuracies on my credit report, but XXXX has consistently failed to provide the necessary information despite my valid proof. This continuous failure to comply with the FCRA 's rules of procedure has compelled me to bring this matter to your attention, and I kindly request your immediate action to resolve this issue. 
As a consumer, I have the right under the FCRA to request and receive certain information from consumer reporting agencies, such as XXXX. This includes the right to obtain copies of my credit reports and the ability to investigate and dispute any inaccurate or incomplete information contained within them. The FCRA further stipulates that consumer reporting agencies must respond to these requests within a reasonable timeframe and provide a method of procedure for resolving adverse actions. 
Please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX Account XXXX : XXXX Delete this account. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Delete this account. 
there is some inaccurate information reporting. 
Employer is not ; SSI Address is not mine XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ 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 2023-05-24
Company: TMX Finance LLC
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I am a XXXX XXXX XXXX woman, single. I took out a title loan with Titlemax in XX/XX/XXXX. I must work to supplement my Social Security. I took a job at a local gas station and convenience store. I developed XXXX that is extremely painful and had to leave the job. I fell behind on my payments to XXXX XXXX and although there customer service mantra is they are committed to great customer service they were not willing to work with me on a settlement. The interest rate goes up daily from {$500.00} to now {$860.00}. My car is XXXX XXXX XXXX and now in danger of repossession. I can't lose my vehicle. They have closed all branches in my state as of XX/XX/XXXX due to unfair business practices. They do not ever answer their phones and I need reconciliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
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: Credit inquiries on your report that you don't recognize

Complaint:
The purpose of this notice is to inform you that the following companies made unauthorized or fraudulently authorized inquiries on my credit report. According to the FCRA, I have the right to only have accurate information showing on my credit report. *On TranUnion : XXXX XXXX XX/XX/2019, XXXX XX/XX/2019. These Inquiries were never requested as stated. I am not aware of these accounts/requests. I believe this to be Fraud. Please correct/delete this misleading information, and supply me with a corrected credit report within 30 days. Sincerely 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 2022-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Similar to a previous complaint, Capital One continues to allow personal information to go into the hands of intruders. They recently sent a letter to me that claimed someone else tried to open an account in my name for their XXXX service they provide as part of their online XXXX XXXX XXXX, so they closed the account for XXXX. Capital One is in breach of many security measures and unfortunately, their bizarre actions and missteps are a reflection of the XXXX XXXX that took place in 2019 under their watch. I think allowing Capital One to continue operating as a XXXX XXXX is forcing a thin line upon borrowers. Until Capital One can truly invest in being trustworthy, there should be severe restrictions on their business, and perhaps prison time for those within the company who failed to properly equip the company with those necessary lawful preventative means.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: Revenue Recovery Corporation
State: MS
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
this is a XXXX claim. i never received any information regarding this XXXX or the collection agency Revenue XXXX. This procedure was done last year and XXXX has full knowledge and documentation that this was in fact XXXX comp. I want this removed from all XXXX reporting agencies immediately!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: Bread Financial Holdings, Inc.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX keeps calling me everyday, somedays up to 5-6 times a day always from different numbers so blocking their numbers has been very difficult. Today they have called at the following times so far : XXXX, XXXX, XXXX, XXXX, XXXX. I do have an account with them that I owe a balance on but I'm currently working on saving up my money for my bankruptcy lawyers retainer fee. All I want is tor XXXX to stop harassing me with the constant calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
this is a account that I never open or apply for.I file a ftc report, they still with no proof said it was mines, so i file a police report too and the credit bureaus and wells fargo/XXXX XXXX still wont remove it from my credit nor forgive the debt

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 2023-07-31
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo notified me that they sold my mortgage loan after five years. I had paid them on XX/XX/XXXX and then paid them again on XX/XX/XXXX Confirmation XXXX XXXXXXXX. The money was withdrawn from my account! 

I was told the transfer of information could take up to sixty days. I've received three statements from XXXX XXXX the new mortgage company , the latest today. They keep sending me a balance that is not correct. I have the last statement from Wells Fargo and deducting the payment on XX/XX/ what they are stating is not correct. No one wants to talk about it. I am a XXXX  citizen and would not want to be in default for an amount I already paid. XXXX XXXX keeps saying it's Wells Fargo and Wells Fargo says its XXXX XXXX not having the information. With all the technology a transfer of information is done with a click of a button!

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