BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
Company: Grain Technology, 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: Account status incorrect

Complaint:
I had an issue with linking my bank account for automatic withdrawals. Their system would not allow me to link my new account. I tried to send them emails because that is what they prefer and I did not get any responses. I had to ask my former bank to allow me to have access to the old account and re-link it and then create a new account with XXXX XXXXo link the account. However due to having to go through all of that AND not hearing back from them, my payment was late AND I was reported delinquent. 
Grain has failed to respond to my emails and when I call their number you literally can not talk to anyone because its just a recorded message. 
The only email response I get is the automatic email after I send them an email and the one advising to send detail information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting these items without permission and that 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 2022-02-23
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: Account status incorrect

Complaint:
I have a {$2400.00} debt on my credit report in which I have disputed at least 20 or more times over the last 4 years. I have written letter, I have called, I have submitted online request. I have been ignored! This charge is fraudulent. The furniture was returned to this store within 30 days or purchasing it. I should not be charged for the full cost as stated above. This company is double dipping which is fraudulent. They should not be able to charge me, full price for the furniture yet retake possession of it and resell it. I have requested copies of documentation and still ignored. I want this removed from my credit report once and for all!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Original date sent was   XX/XX/XXXX   for {$500.00} Seller backed out of the deal and never picked the money up. All I want is My Money back. They have been promising to send me a check for 4 years and still nothing, They give me a number to " the Treasuery Office '' who is only settling cases starting the year after  (  XX/XX/XXXX  ).  I call and tell them this and they act like they are going to send a check, and then ill receive a notification with that same   XXXX   treasury number.- XXXX 
case id #  XXXX  I have been taken advantage of by not the seller, but western union.
Please help   XXXX   XXXX     XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Hi, my name is XXXX and I am a victim of Identity theft. There is inaccurate unknown fraudulant accounts and addresses on my credit report. I have reached out to these companies many times and XXXX was deleted and was added back on last week and i didnt receive any notice. It is the same exact account but they fraudulantly changed the dates. XXXX is has fraudulantly updated the last active date. These companies have violated my Hippa rights by notating on my credit report that these are medical accounts. These companies have mentally and physically affected my capability of finding a job due to these fraudulant unlawfal remarks.

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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT IS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OR REPORTING OF UNVERIFIABLE INFORMATION. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORTXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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 2022-02-23
Company: EQUIFAX, INC.
State: MD
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 sent all three consumer reporting agencies a letter asking to investigate certain accounts on my consumer report. I received the results from the investigation from XXXX and XXXX, and they failed to provide me with the contact information of the individuals they spoke with to get this information. Also, the accounts I highlighted can not be verified as I have no contract with these companies. Three companies in particular, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX all have acquired my personal and private identification information without my consent. Not only did they take my information, they CREATED ACCOUNTS with my information just to harass me with claims of owing an alleged debt. That is IDENTITY THEFT. 

Pursuant to the FCRA, any consumer reporting agency may furnish a consumer report in accordance WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER to whom it relates. I NEVER, EVER gave ANYONE consent to take my information and do whatever with it, just for their benefit. So how and where are these people getting my information from if I never gave it to them in the first place?? The FCRA also states that consumer reporting agencies shall disclose to the consumer the identity of the person they spoke with. That includes the name, phone number, and address. However, that information was not disclosed to me, instead they have it as " Verified '' on my consumer report, with no evidence behind it. 

Why do I have to verify my identity when it comes to MY information, that I NEVER even gave ANYONE consent to have in the first place?? You can't even identify someone over the phone or mail! But for some reason, there is no verification when it comes to them putting false information on MY consumer report, when in fact the LAW says it shall be. I'm tired of the fraudulent and deceptive practices. It's harassment and abuse, and needs to cease immediately. 

I am giving the consumer reporting agencies MY CONSENT to reinvestigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Account Number Creditor Information  XXXX **** SANTANDER CONSUMER USA   XXXX   XXXX   XXXX   Condition   XXXX   XXXX  , TX Closed  XXXX  Current Balance {$0.00} Phone # :  XXXX  $ Original Balance   XXXX   Opened  XX/XX/XXXX Reported  XX/XX/XXXX  Remarks Closed THIS SHOULD ALREADY BE OFF MY CREDIT REPORT IT HAS BEEN PAID IN FULL. AND THE ACCOUNT IS CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: CA
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 am writing again in regards with the accounts listed below to inform you that I am the one disputing this debt. I need to report EXPERIAN for violating the Fair Credit Reporting Act. Theyre claiming I have late payments but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP 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 2017-07-18
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CCS Collections is attempting to bill me for allegedly providing vehicle insurance in   XXXX   2015. I have been disputing this issue with them for several months now, and consistently keep getting misled by both   XXXX   and CCS. Initially  XXXX  advised me to send a written statement stating that I sold the vehicle in question and therefore did not need to have it insured during  XXXX  2015. After sending the statement, they switched their story and advised me that the account has been purged from their records and they can not do anything to recall it from CCS. They also proceeded to tell me the account has been sold to CCS. Then, when speaking to CCS, they clarified they are not debt buyers and did not buy the account. I feel like they are just misleading me and trying to confuse me in an attempt to coerce me into paying an invalid debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: TCF NATIONAL BANK
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On   XXXX   XXXX   2016 i was  XXXX  and sent to   XXXX   for   XXXX   XXXX   got out of  XXXX  on   XXXX   XXXX   2016 on the   XXXX   XXXX   XXXX   i went to my bank to get money and to find out i had   XXXX    to m y name i tell the bank i want to make a complaint that my money was gone that i should have  XXXX  in there not  XXXX  i filed a fraud on account and made a police report in two towns in  XXXX  and in  XXXX  colorado on the   XXXX   XXXX   2016 by the middle of  XXXX  to the   XXXX   XXXX   XXXX   tcf said i have lost my money and they will not pay me back my  XXXX  that was stolden from my account im going to keep fighting because im not in the wrong and this bank is please help me get my money back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Early in XXXX, 2017 US Bank sent a letter stating I contacted US bank to convert my XXXX XXXX card to a new type XXXX XXXX  card. I never contacted us bank to convert my card. In fact I did not have a XXXX XXXX card with us bank. They explained that in fact they converted my US Bank Visa card to a new XXXX XXXX XXXX card with out my permission.
I believe at the least the company committed fraud, lied about me contacting us bank, and issued a XXXX XXXX card without my permission.
I understand from us bank customer service, that they did this to many customers, that had not used the visa card for some time to get them to use a new XXXX XXXX card. This could number into the thousands they frauded I have attached documents to complaint

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: Stern & Stern. P.C.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Law office of stern and stern unlawfully filed a civil judgment against me for a : ery old credit card account from municipal credit union the debt is over 7 years old and what the collections attorney did was unlawfully and I never was served so that I can defend my self telling them the municipal credit union debt is old

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Experian Information Solutions Inc.
State: SC
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 recently reviewed a copy of my credit report i was shocked to learn i have been a victim of idenity theft. Ive found numerous accounts on my credit report that were not opened by me, This has been hurting as i am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report 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 2017-07-18
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
During  XXXX  I was being treated by   XXXX   XXXX   XXXX   in   XXXX   TX., for what they termed as a   XXXX   XXXX   XXXX   but offered shots to return the majority of the   XXXX   XXXX   XXXX   XXXX   XXXX  . I agreed to the shots directly into my  XXXX . The first shot proved to do nothing as did the second and third. I went to another   XXXX   XXXX   but this time to a  XXXX . He   XXXX   XXXX   into my system and showed me on a computer screen the interior of my   XXXX   XXXX  . He stated that they had diagnosed me incorrectly and further explained why the injections they gave me did not work. They were the wrong medication and should of never been injected into my  XXXX . I contacted AMERICAN EXPRESS and explained the situation and they charged back the merchant. Soon after they AMERICAN EXPRESS put the charges back on my account. I then sent detailed correspondence to them and called and they removed again. Shortly thereafter they put the charges back on my account. This went on for six occurrences. I continued the process and the disputes and they AMERICAN EXPRESS began to ignore me. When I would call they would refer to my dispute calls to collection where i was harassed as to when I would pay my bill. Then the letters came telling me they were going to closed my account, write it off as bad debt and turn me over to collections. They would no longer have conversation with me.  XX/XX/XXXX  they did just that, they wrote it off and turned it over to   XXXX   XXXX   who I wrote and explained the situation. AMERICAN EXPRESS then turned it over to another collection firm in  XXXX , GA. Now they have some woman calling about 20 times a day from  XXXX , a number in the greater  XXXX  area.
AMERICAN EXPRESS needs to do the right thing and charge back   XXXX   XXXX   XXXX   permanently, credit my account and remove the damaging derogatory status from the  XXXX  (   XXXX   ) credit bureaus.
My dispute was of just cause and was and is not frivolous.
Thank you for your time and your anticipated assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have been in contact with Navient in an effort to refinance my loans. The amount of interest and fees is incredibly high, I told them I want a break down of each loan, and the interest and fees. I feel I am being charged unfairly. Even though I make payments monthly, the balance is increasing. I will never get these paid off. I need them investigated regarding my interest and fees

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Rauch-Milliken International, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX   XXXX   (  XXXX  ) keeps contacting me saying I owe a debt for a closed business. I have told her the business is closed and I do not personally owe. She ignores and keeps threatening me. I have requested documentation several times, but she does not provide. I have copies of emails of her threatening to sue me and my ignored requests for documentation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2017-07-18
Company: HYUNDAI CAPITAL AMERICA
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: Public record information inaccurate

Complaint:
This complaint involves Hyundai Capitol America on  XXXX , Partial account number   XXXX   Date opened :   XXXX   XXXX   Type : Auto Lease. Status ; Discharged thru bankruptcy Chapter  XXXX  Account history Debt included in Chapter  XXXX  Bankruptcy on XX/XX/XXXX .
This information is inaccurate.
This leased vehicle was kept in my possession until i purchased it and financed it with   XXXX   XXXX   XXXX   XXXX   in  XXXX .. This account is also on my credit report as ;   XXXX   XXXX   XXXX   XXXX  , Phone numbe  XXXX   XXXX   partial account number ;  XXXX , date opened   XXXX   XXXX  . I just recently traded in the vehicle in  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I reported multiples fraudulent transactions on time as soon as I realise, Well Fargo is denying the claim because my pin number was used. I dont make purchases with PIN numbers, I dont use the PIN I prefer to be signed the slip. On top of that, I dont understand how the transaction was made out of the USA and I did not receive any fraud prevention calls, and now they dont want to fix this. I havent been able to pay my medical expenses because of this, please not that Im a very sick person if I have to go to any emergency room and I dont have the funds in my account I will hold Wells Fargos Responsible for this.
claim number  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