BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-14
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was told by their agent my credit card is closed and a letter dated XX/XX/20 was sent to me to explain the reason. I never did receive the letter I called them again XX/XX/20, The agent told me the letter was not sent, I was told this time, the letter will be emailed to me within 2 business days. I did not receive it yet. 

I believe my card was cancelled due to race discrimination and they do not have a legal reason to cancel my card. 

All I want is a letter of cancellation..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I ve check my Credit And there are some fraudulent activity going on with someone using my name. they are opening accounts under my name. I did not authorize any one to use my Identity at any Time.

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 2019-10-07
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:
Equifax has not sent me anything about my credit if they fixed my issue or my FTC violation it's been more than 45 days nothing in the mail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-04
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In the midst of the corona virus and the care act, my mortgage company charged me a late fee as well as reporting a payment as late to the credit bureaus. I have paid all mortgage payments and was only late that one time during corona virus and Id like this removed from my credit report. 

Payment was due XX/XX/XXXX for {$2600.00}. I paid it on XX/XX/XXXX and paid XXXX on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-03-14
Company: ALLY FINANCIAL INC.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ally Financial Bank sold an account together with all my personal confidential information to XXXX XXXX XXXX, info like SSN, Names, Mailing adress, Birtday, Phonenumbers etc etc. After that XXXX XXXX  XXXX start calling me and harresting me true phone calls and mail letters I dispute for almost 8 months this account, asking for signed contracts between me and them, bill statement that show for how much they bought this account and my personal confidential information and any autorization that proof they have the right to use all my information. Months after months this company send me letters stating this account has been validated under my name and belongs to me. Finally XXXX XXXX XXXX closed this account and deleted all reporting from the credit agencies. BUT TILL THIS DATE NONE DOCUMENTS HAVE BEEN MAILED TO MY ADRESS THAT SHOWS FOR HOW MUCH THEY BOUGH ALL MY PERSONAL INFORMATION AND I AM STILL AFRAID THIS COMPANY WILL USE MY PERSONAL INFORMATION FOR MALICIOUS ACTIVIES FURTHER UP. IN THIS CASE ALLY FINANCIAL AND XXXX   XXXX XXXX ARE NOT COOPERATING IN MY REQUEST OF THE DOCUMENTATION ABOUT THE SELL/BOUGH OF THIS 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 2023-04-24
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 information incorrect

Complaint:
Ive been back and forth with all 3 credit bureaus XXXX, XXXX and Equifax disputing a XXXX wireless account since at least XXXX of 2022. Ive disputed the account online and have disputed it by certified mail twice. Basically XXXX says I owe a balance I dont owe. I have an email from them showing they were supposed to apply a credit to my account which they never did. Ive explained this to the credit bureaus ( XXXX, XXXX and Equifax ) sent them the documents and they never remove the account simply because XXXX says I owe it. When Ive shown them in writing they agreed to apply a credit Im owed and they never did. Also proving I dont owe whats being said. The only resolution in this case would be to remove the account from my credit report. I will attach the photo of the email I sent them ( again proving the account is wrong ) along with the balance sheet and the most recent certified mail receipt. Showing Ive made every effort to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
1.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 : 2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I had a checking/savings account with XXXX XXXX XXXX. I overdrafted my checking account and was going to pay little by little in order to pay it back with the overdraft fee, typically a bank gives you 30 days to pay it back without charging another overdraft fee. I paid the bank {$1500.00} but they still sent the report and put it on my credit report as closed with a delinquency of {$2600.00}. My credit score went from XXXX to XXXX due to this, and the bank did not contact me at all. This is horrible and I need to fix it immediately.

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Are all fraudulent accounts please remove at once.and all 32 fraudulent inquiries

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 2022-02-15
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX  company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I Have been making on time payments to my credit cards and car loan, I even make more payments toward the accounts, I have been checking XXXX XXXX and I notice that XXXX  and Transunion they are reporting my payments on time, but the problem it is that they are not giving me points to my credit score, I do see some account have been increase on the credit use and for those they do subtract me point a lot of points, but they don't give me points on my credit score. I have been trying to dispute and fix it for a while and I don't see results.Recently my XXXX card was paid in full, was reported to XXXX XXXX and no points to Transunion or XXXX, XXXX has XXXX balance and still shows with a balance of XXXX, I made an extra payment to my car balance shows reduce from my credit report and no points to my credit score. All credit reports show different numbers a balance that they don't fix. On XXXX  I logged in to a service to see if my social was a breach victim and it was. Base on XXXX  website they will give XXXX or a free year credit report, so I decided to get the XXXX and I haven't see the payment. everything it is a negative thing.

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 2017-11-28
Company: Risecredit, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX at XXXX XXXX, I received an fraud email from Rise. The emailed stated that an unauthorized party had access my account and that they recommended that I change my password. On that same day, I changed by password but the website would not allow me to login. I contacted Rise 's fraud department and spoke with a rep. When I explained to her about the email received, she seem to not have a clue what I was talking about. She took down my information and stated that she would call me back. Never heard from her again. I attempted to login in again on yesterday but could not. I contacted the customer service department. The rep I spoke with onXX/XX/XXXX at XXXX XXXX told me that it could have been my internet browser and that is why I could not login. I have an XXXX so she told me to clear out my history but that did not work. She then goes on to say I should try different computers and browsers. None of this work. So I called back again at XXXX XXXX and spoke to someone in the fraud department. I think her name was XXXX. I explained to her again about the email regarding fraud and not being able to access my account. She could not figure it out and told me that she would call me back with more info. I advised her that I refuse to make another payment until I can fully access my account and that they can explain to me about the fraud email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Bread Financial Holdings, Inc.
State: NV
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:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-03-14
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened a Wells Fargo savings and checking account in XX/XX/XXXX in XXXX. I used the account for 5-6 years but then moved to a city ( XXXX ) where there were no longer any Wells locations. I stopped using the accounts for several years ( XX/XX/XXXX/XX/XX/XXXX time frame ) and had transferred all of my money to another bank. 

In XX/XX/XXXX, I used my XXXX account to pay for a hotel room. On accident, the XXXX account ( which apparently was still linked to Wells ) used the Wells checking account instead of my XXXX to complete the transaction. The charge ( {$560.00} ) hit the Wells account in XX/XX/XXXX. 

In XX/XX/XXXX, the Wells account auto-paid {$36.00} of it. In XX/XX/XXXX, that {$36.00} auto-payment was apparently reversed ( likely because there wasn't any money in the account ). In XX/XX/XXXX,  another {$17.00} was auto-paid. 

In late XX/XX/XXXX, Wells contacted me via phone and relayed that I owed {$620.00}, which was the balance of the account at that time. Up until that point, I wasn't aware that my wells account was still open and asked to close it. They told me to pay the balance and they would close it. I paid the {$620.00} on the phone and they sent me a confirmation email saying my account was closed. 

In XX/XX/XXXX, I was again contacted by Wells Fargo and they told me I owed {$37.00}. Apparently, when I closed my account in XX/XX/XXXX and paid off the balance at the time as required, there was still a {$17.00} auto-payment that had been made. In XX/XX/XXXX, this payment was reversed ( which would make sense given the account was officially closed ... ). Per Wells Fargo, this process of auto-payment and reversal continued throughout the summer accruing fees. I paid the {$37.00} they said I needed to and thought it was all finally settled Last month, I applied to get a mortgage for our first home. When they ran my credit score, it showed the Wells had charged me a series of delinquencies in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was never notified of any of this aside from the two times we connected via phone and I paid them. Now, my credit score ( which has no other delinquencies ) is being negatively impacted by these Wells ' rolling lates -- two of which seemed to have been triggered after they confirmed I closed the account. 

If there is anything you all can do to help rectify the situation, I would be greatly appreciative. This issue they've created are impacting whether or not we can get this house. Thanks very much

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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 checked my credit report and found that some of the data were incorrect. Transunion is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX  {$25000.00}

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 non-monetary relief
Consumer complaint received 2020-03-14
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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