BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
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: Account information incorrect

Complaint:
This company is reporting inaccurate information on all 3 of my credit reports. I have not been able to resolve this issue with this company. This company has failed to validate this debt. They only re aged the account. I do not have any contract with this company and never did. The debt that they are falsely reporting was paid to the original creditor. I have proof that this debt was paid. I have never had a debt with this company. This has tremendously affected me with finding housing and a job. I have been going to house to house because I can't get approved because of this false debt. I would like this account XXXX {$1100.00} to be removed immediately from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: IQOR US INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
i used to have a checking account number ending in XXXX i want to pay the negative balance but the bank refuse to take money the bank employee they have order from excutive not to keep the bank account open, two of XXXX bank employee successfully closed the account pursuade two federal XXXX govt offical who told the bank to close the account to punish me they have big the main federal govt offical who is XXXX in XXXX and one in other state through out the investigation the real story will come out

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 2019-01-03
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have called Security Credit Services at least 20 times with no resolution. I spoke with a representative named XXXX. The other 19 times I was sent to voicemail with no returned phone call. XXXX would not provide me with any information re : my debt instead she transferred me to a number that was disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I had a mortgage through XXXX county state bank. That mortgage was sold to XXXX XXXX XXXX. We went through bankruptcy and XXXX XXXX XXXX was included in bankruptcy. Its still showing an open account with a balance. XXXX XXXX and XXXX have both taken it off of my credit report. Equifax is still reporting that is an open account which its a closed account. I contacted XXXX XXXX XXXX and they stated that they havent reported it to equifax since before the bankruptcy ended. They told me its equifax thats not changing it. It has affected my credit score tremendously. Initially equifax took it off the report and then the following month the put it back on. Something has to be done about this. It should be a closed XXXX balance account. But its showing {$5300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: MN
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 stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04
Company: U.S. BANCORP
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: Confusing or misleading advertising about the credit card

Complaint:
XX/XX/19 I applied for a business credit card. I was declined, when I called in to ask why, I was told that they do not accept applicants that do not currently do banking business with them. They do not advertise this in the application process. We never had a chance of being approved, yet they allowed us to proceed with the application and take a hard hit on our 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 2023-06-06
Company: Experian Information Solutions Inc.
State: NJ
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 sent a letter last XX/XX/XXXX, to remove these inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any inquiries or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again EXPERIAN BUSINESS CRED XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2018-01-27
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My student loans were transferred to Navient without my consent or knowledge. Navient werent the agreed lender at the borrowing time. XX/XX/XXXX in the amount of {$3300.00} and XX/XX/XXXX in the amount of {$3000.00}. The original amount per loan were {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion needs to remove these fraudulent inquiries off my credit report I did not authorize anyone to use my credit, please remove these fraudulent inquiries immediately, I am a victim of identity theft, Im filing this complaint because my credit report was used with out me knowing, I want these remove, Im sending a screen shot of all the hard inquiries on my report, do not put no fraud alert I just want these inquiries to be processed immediately and removed 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 non-monetary relief
Consumer complaint received 2021-05-05
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: Was not notified of investigation status or results

Complaint:
Im filing a complaint on the Bureaus for not responding to my disputes after 30 days have past. According to the FCRA Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report, it has been over 40 days days so they should be deleted promptly. 

On XX/XX/2021, I sent letters to the bureaus concerning false reporting of unvaildated and unverified accounts on my report still haven't heard a response. These furnishers need to abide with the LAW and stop trying to take advantage of the lil guy. 
I am the original creditor and only I can validate these debts, and I Do Not valid any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a wells Fargo account but didn't have any access to it to withdraw my funds and was restricted from using my debit card and was blamed for fraudulent activity I was bummed about the situation and was done wrong and they kept my funds and it was around XX/XX/2018 amount of XXXX were never seen after that.

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 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
I received my consumer report and all my personal information is wrong Correct Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX 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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 appreciate you trying to update and repair some of the data on my credit report, but some items still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
On Monday XX/XX/XXXX, I went to XXXX XXXX XXXX on XXXX XXXX XXXX in XXXX, WA, to close my checking account with them. I took my balance in a check over to XXXX XXXX XXXX XXXX XXXX XXXX and deposited it into an account I had opened on XX/XX/XXXX. 

On Thursday XX/XX/XXXX, I received an email about a low balance notification for the account that I had been assured in person was actually empty and closed. I called XXXX  XXXX XXXX corporate and they told me they would take care of it and close the account. I didn't hear from them again until I received a letter in the mail in XXXX of XXXX that the account was delinquent and had been closed. This triggered an entire credit card collapse with XXXX, XXXX XXXX 's, and XXXX XXXX credit cards I had just opened. When I called XXXX XXXX XXXX they said they couldn't do anything because I hadn't paid low balance fees. There shouldn't have been low balance fees for an account that was deliberately emptied and closed in person at a XXXX XXXX  XXXX location, nor should those other credit card companies have closed their credit lines on me due to incorrect information. 

Additionally, the credit report says my XXXX  XXXX XXXX account existed from XXXX, which is certainly not true. I used XXXX  XXXX XXXX as my sole bank account from XXXX, when I closed it and moved over to 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 2019-05-04
Company: CITIBANK, N.A.
State: LA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I responded to a promotion on the internet and opened a CitiAccelerate Savings account and opened account number XXX I believe on XX/XX/XXXX. I funded the account with 4 transfers of {$25000.00} each and 1 transfer of {$20000.00} all from my XXXX account XXX on XXXX, and XX/XX/XXXX. The balance on my last statement was {$120000.00}. I spent literally hours on the computer trying to establish access to my account without success, even with assistance from their technical people. Apparently this occurred because I also have credit card accounts with Citibank which conflicted with the savings account, and " the two systems don't communicate ''. This culminated in multiple calls to their help line on XX/XX/XXXX and XX/XX/XXXX. The help line was XXXX and I made the calls from my XXXX XXXX. On XX/XX/XXXX I talked to a representative who said Citibank was closing the account and sending me a check and it would arrive in 5 to 7 business days. When I still had not received the check today, XX/XX/XXXX, I called the same help line and talked to someone named XXXX. She told me the funds were not mine, that the funds for the account had come from another depositor and were therefore not mine. She refused to give me any more information about the status of my funds. I have no way of knowing what became of the funds. She gave me another number to call on Monday but I'm afraid at some point the money may become irretrievable. Hard to believe this could happen with a too big to fail bank like Citibank. This is probably an honest mistake, but at this point I have to assume people connected with Citibank have embezzled my money until proven otherwise.

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 2023-01-20
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 sent a letter on XX/XX/22 to Experian, XXXX, and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX Reference XXXX : XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXX Reference # : 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 2020-03-12
Company: ALLY FINANCIAL INC.
State: NJ
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:
After Ally Financial Bank charge-off and also closed this account on the XXXX XX/XX/XXXX and sell it over to XXXX XXXX XXXX on the XXXX XX/XX/XXXX together with all my confidential personal information ( Federal crime and private right violation ), now Ally Financial Bank decide after my complain and disputes to report to the credit agencies Negative information for the month of XX/XX/XXXX. HOW IS IT POSSIBLE THAT AFTER ALLY FINANCIAL BANK SOLD THIS ACCOUNT AND CLOSED MORE THEN A YEAR AGO, NOW THEY STILL ARE REPORTING WRONG AND NEGATIVE ITEM ON MY CREDIT REPORT, AFFECTING MY CREDIT IN A NASTY  NEGATIVE MANNER AND IN CONSECUENSE ALL MY LOANS, CREDIT LINES AND CAR APLICATIONS ARE BEING DENIED DUE ALL THIS NEGATIVE REPORTING OF ALLY FINANCIAL BANK ON MY 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 2021-06-29
Company: EQUIFAX, INC.
State: IL
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:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Paypal Holdings, Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I've been using venmo about a few months now. A lot of my stuff I purchased were either not delivered or I returned and never received my refund. In that case I disputed those transactions. Today I get a email saying my account was suspended and it had money in it! No way to get that money out, please resolved this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
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 are inquiries on my report that I did not authorize. I have sent letters to each bureau stating that these were unauthorized inquiries and they are still continuing to report these inquiries. They also have some of my personal information incorrect as well as reporting accounts late that I know I was never late paying.

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 2023-03-13
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I worked with the XXXX XXXX. On XX/XX/XXXX, Iam supposed to get my direct deposit representing my paycheck for period 1. However, upon checking the XXXX payroll portal, my banking information was changed and my paycheck was deposited to another bank. The bank was XXXXXXXX XXXX who operates Chime Bank. 
I called and email that bank and all I received was acknowledgment of my email. I contacted the XXXX accounting unit and the XXXX cyber crime unit who sent several letters to that bank only to be informed that the bank can not return the funds stolen since the account was already closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I sold my house in XXXX California in XXXX. I had a loan for XXXX to fix my home and sell it. I paid everything off. The loan on my house and the additional loan. XXXX XXXX XXXX XXXX XXXXXXXX but my Aunt received a bill for XXXX. I couldn't do anything because I was XXXX Wells Fargo ruined my credit. Not until XXXX has my credit been restored. I paid everything off. Then get a bill for 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 2020-03-12
Company: Experian Information Solutions 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:
I recently looked at my credit report and seen various fraudulent accounts. I need these fraudulent accounts 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 non-monetary relief
Consumer complaint received 2022-03-21
Company: Northwest Collectors Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX, SC provides services in XXXX XXXX. Their charges are included in XXXX XXXX XXXX. My insurance paid for everything because I was billed by XXXX XXXX for all services provided in its facility. 
They must contact XXXX XXXX since XXXX XXXX XXXX received claims from the hospital, never received any claim from the creditor. My insurance was billed by XXXX XXXX directly. The service is included in the facility. 
I received a notice ( attached ) to reply by XX/XX/2022 to stop collection and and replied with a certified letter ( proof attached ) on XX/XX/2022 and sent many letters prior to that notice to the creditor and was ignored. my insurance was not contacted as well. they violated my rights and blame me for paid debt, they ruined my credit score for debt paid by my insurance and they failed to submit a claim to my insurance.

Company response to consumer: Closed with explanation