BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-21
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:
Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on XXXX, XXXX and XXXX XXXX. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, Reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit report. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$60.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00}XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00},

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 2023-07-05
Company: EQUIFAX, INC.
State: TX
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:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/2021 a written request was mailed to XXXX  to close my XXXX account and transfer all funds to another bank. 
XX/XX/2021 is when XXXX created and sent a letter to me indicating that the account was not able to be closed and transferred due to outstanding funds in a brokerage account. 
XX/XX/2021 is when a phone call was made to XXXX  requesting that they use the already submitted transfer form. I was told that was not possible and that a new form needed to be submitted to XXXX. 
XX/XX/2021 is when an email containing the required transfer form was sent to the designated email address above. 
XX/XX/2021 I received a system generated email from XXXX  that they had received my request and form. 
XX/XX/2021 is when all brokerage funds we present in the savings account for closure and transfer. 
XX/XX/2021 I sent another email to XXXX requesting an update since I have heard nothing from them to date. 
XX/XX/2021 I placed a phone call to XXXX XXXX and held for 15 minutes and finally hung up in frustration. I have $ XXXX sitting with them and am missing out on a rate of return in the investment opportunities that XXXX  XXXX XXXX offers.I am now being told that it will be 4 - 6 weeks for the transfer to XXXX  XXXX XXXX to take place. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Lending Club Corp
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I believe my identity was compromised due to the data breaches from XXXX, XXXX XXXX/XXXX  XXXX and XXXX. Further, I believe that there are situations arising from that fact that my SSN is one of a sequential sibling numbering and XXXX of my siblings are deceased. That coupled with the fact that I have an ex who knows my SSN and personal information and a relative of XXXX of my deceased siblings who also know that information, that debt has been obtained in my name using new accounts and existing accounts. 

I want to see all of the information used to obtain this debt and make charges against it. I want all pertinent information used to verify identity and approve this debt. I am concerned that debt was authorized in my name without verifying it was me seeking the debt and getting benefit of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: AmeriCollect
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX, I went into the ER, due to some what I thought I was having was a XXXX, it took XXXX hours to even be seen, they total necessary vitals and XXXX XXXX ... it would then take another few hours to even be seen to be told I was just having a little XXXX, they discharged me, in no right mind would {$700.00} be as much as just taking vitals and getting a talk from XXXX for less than {$5.00} worth {$700.00}. Anyways, tried to email and call and my email was blocked and when I call line is always busy or not working number, so I'm not sure. I would love to dispute the full amount because I'm done trying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was released from XXXX  after two years from the XXXX through XX/XX/2023. Opon my release I tried to open a checking account at my previous bank, Wells Fargo. An they told me that there unable to open account. So I tried another bank an the same thing happened. I need a checking account in order to run a business So I tried maybe three more an nobody will work with me. They all point me to some XXXX XXXX  website. An also XXXX XXXX  has an account set up in an email I don't know. ( XXXX ) that's not me. An they wouldn't let me set up an account either. I only applyed for these banks starting from around XX/XX/2023 through XX/XX/2023 anything before that was not me. I've never used credit. Never had a loan. No mortgages. No student loan. Nothing but one checking account from Wells Fargo that was closed due to no transactions being made due to my absence and incarceration. Please help me resolve the situation as soon as possible ..... Thank you for your time I'm greatly appreciated

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 2021-03-15
Company: SYNCHRONY FINANCIAL
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX filed a a case in XXXX XXXX XXXX, XXXX XXXX XXXX on XX/XX/XXXX. The case number is XXXX. On XX/XX/XXXX, a default judgement was entered awarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. {$2500.00} which included filing fees and court fees. 

On or about XX/XX/XXXX, I sold my first home. The above referenced judgement was attached to the sale of the property and XXXX was issued a payment in the amount of {$2300.00} ( the amount of original balance ) from my sale proceeds. 

Prior to XX/XX/XXXX, this collection account did not appear on my credit report. I argue that this was never a collection matter as XXXX filed suit to recover the delinquent account balance. Furthermore, the balance has been paid and should be removed from my credit report. 

In summary, I am asserting that XXXX has reported false information on my credit report and as such has negatively impacted my ability to obtain credit. This inaccurate information has been reported and filed with the three major credit bureaus ( XXXX XXXX, and XXXX ). I would like this information to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Man yall need to do an Investigation on ALL the Credit Companies.it should be a class action lawsuit for, shady practices, negligence and damages to credit scores I have 3 account thats havent been updated!!!! But the one I want to make a request for is XXXX XXXX, Its paid in FULL and closedthe statement date came and went and no updates yet? On ANY site lbs Matter of fact I have a XXXX balance on 2 accounts that have not been update on ANY credit companys website..Can You Say LAWSUIT? I want you all to see this, I know I'm not the only one suffering, CFPB step and and help, please this most definitely falls under illegal practices

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 2021-03-18
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I made a payment through bill pay. When the payment did not post I contacted the bank to confirm the payment process was handled on their end. I requested the transfer information. I then contacted the vendor and asked them to look into the situation. 

At first I was told the payment was made through a paper check ( later I learned this was not the case and that it was sent electronically. 

After a number of phone calls and email exchanges with XXXX ( the vendor ) I understood 1. They do not receive electronic payments ( their system does not work with that technology. 2. They do not accept paper checks ( they are returned to address on check. 

With this information I contacted Citi bank again. At this point I thought the best option would be to pull back the payment. They ( again ) told me their records stated the payment was made and cleared. This was my third contact with Citi. On the phone I was transferred from department to department which was no help. I was given a number but they in turn transferred me. After trying to approach from the vendor side, I returned to Citi via chat ( I have the transcript ). Again I was transferred around and when I returned to the initial department I started with, I requested to be connected with the supervisor. I simply could not believe it would be that difficult to have a payment pulled back. At this point it was quite possible the payment went to the wrong vendor ... but I had no details as to how to find that out. I would lie with Citi. Unfortunately each time I contacted them I was met with people who quite honestly did not know what to do. 

With over 2 hours invested in what I understand as a rather simple tracking task, I became frustrated. I thought it was important to advise some oversight agency as this kind of inability to conduct business hinges on the possibility of foul play. At the very least both citibank and the public should be made aware of their business conduct.

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 2023-10-05
Company: ALLY FINANCIAL INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was advised to report this be for taking legal actions against Ollo card services. So, I am reporting Ollo because they robocalled / automated phone called with a pre-recorded message at XXXX on XX/XX/2023. I mention this because preceding court cases/ lawsuits in various courts have ruled that the calling time is to be based on the time zone of where the cellphone number is based, for which my area code is XXXXand in the central time zone. Whats really important here though is the fact that I have audio proof of a robocall phone call with a pre-recorded message in it as well as screenshots proof of of the transcript of this electronically pre-recorded message that was left in my voicemail box. I have been advised that by Ollo leaving this pre-corded message that was then, repeated to my voicemail and recorde by it is actually ol legal under federal laws, this is according to federal laws and regulations of the Fair Debt Collection Practices Act ( FDCPA ) as well as the Telephone Consumer Protection Act ( TCPA ). I have also been advised these acts, laws and regulations were designed to protect me from these time of pre-recorded robocalls, whether on my cell phone or a landline and either left as a voicemail or played to me or another person, if I/ they happened to pick up is illegal for Ollo to even do. If I need to cite these cases please let me know. Im filing this with the CFPB and possibly reporting this to the FTC, if need be. Im also exploring suing Ollo for these violations of both the Fair Debt Collection Practices Act ( FDCPA ) as well as the Telephone Consumer Protection Act ( TCPA ). Im well aware, of cases where companies like Ollo were sued and found guilty for doing as Ollo card services did and called my number with a pre-recorded mesage and found guilty in violation of the laws and regulations. Below, I submitt the transcript of the illegal pre-recorded recording that Ollo left on my voicemail. Hello this is XXXX XXXX from XXXX XXXX XXXX  please call me for any of our Ollo card service representatives today at XXXX Again, this was a pre-recorded recording left on my voicemail in violation of the FCC rules and regulations as well as Telephone Consumer Protection Act ( TCPA ).

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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
I am a victim of identity theft please remove this fraud inquiry 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 2023-10-17
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company 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 2023-04-18
Company: EQUIFAX, INC.
State: IL
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:
Man yall need to do an Investigation on ALL the Credit Companies.it should be a class action lawsuit for, shady practices, negligence and damages to credit scores I have 3 account thats havent been updated!!!! But the one I want to make a request for is XXXX XXXX, Its paid in FULL and closedthe statement date came and went and no updates yet? On ANY site lbs Matter of fact I have a XXXX balance on 2 accounts that have not been update on ANY credit companys website..Can You Say LAWSUIT? I want you all to see this, I know I'm not the only one suffering, CFPB step and and help, please this most definitely falls under illegal practices

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-09-28
Company: MOHELA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
As the repayment period approached, I applied for the XXXX program, which I am confident I'm eligible for. I have been unemployed for over two years, and my disability claim is still pending. My family relies on XXXX and XXXX  XXXX  for basic needs, but XXXX denies my application for the program. I have applied twice, and both times, they rejected it due to a lack of income verification. However, I have provided all the necessary documents, including my XXXX most recent tax returns, to prove my eligibility. 

I've been contacting the Department of Education, but all they send are generic emails containing tutorials, applications, or instructions to contact XXXX. I need help getting XXXX to explain what other information they need from me or why they are not allowing me to participate in the XXXX program. It feels like I'm being misled and scammed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
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:
I received an email saying XXXX company check my credit for mortgage in zip code XXXX. I don't live in the area it's not me. I didn't apply for any mortgage. Please stop this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: IL
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:
Man yall need to do an Investigation on ALL the Credit Companies.it should be a class action lawsuit for, shady practices, negligence and damages to credit scores I have 3 account thats havent been updated!!!! But the one I want to make a request for is XXXX XXXX, Its paid in FULL and closedthe statement date came and went and no updates yet? On ANY site lbs Matter of fact I have a XXXX balance on 2 accounts that have not been update on ANY credit companys website..Can You Say LAWSUIT? I want you all to see this, I know I'm not the only one suffering, CFPB step and and help, please this most definitely falls under illegal practices

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 2021-03-18
Company: Specialized Loan Servicing Holdings LLC
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 status incorrect

Complaint:
XXXX Dear Sirs and Madams : Hope this finds you well. I am completely distressed because my mortgage service provider, Specialized Loan Servicing LLC ( SLS ), refused to honor on the credit reporting the fact that I was unable to pay my mortgage during the heightened months of the Covid-19 pandemic. I was greatly affected by the pandemic during the months of XXXX, XXXX, XXXX and XX/XX/2020 and didn't even have the wherewithal to find out about the easy steps of putting a forbearance into place, and was certainly not in a position to engage in the forbearance process. However, unfortunately, I have since found out, that even for individuals who tried to put a forbearance in place, SLS still often did not honor these forbearances on the credit reporting. After the above aforementioned covid months, I completely caught up on my mortgage payments, including anything owed during those months ; my mortgage is currently perfectly up to date in payment, yet, my credit is ruined by SLS because of their reporting late remarks for the covid months of XXXX, XXXX, XXXX and XXXX of 2020. I have begged SLS to remove the credit report late remarks of those four months. Can you help me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation