BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-11
Company: Experian Information Solutions Inc.
State: AR
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:
My wife and I have been a victim of identity theft. We have never opened a joint account or done a rental agreement together. We have been trying to remove this from our report since we first found out 4 years ago. These accounts on my report and inquiries are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX  XXXX {$530.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX  XXXX {$270.00} XXXX XXXX {$200.00} XXXX XXXX {$220.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

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 2022-04-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have 4 collections from a debt collection company call XXXX XXXX That I don't recognize The original creditor was as stated in my credit report XXXX XXXX XXXX XXXX BUT I never been in no imaging office or any hospital therapy or nothing of the sort So is not accurate and it need to be removed and delete. 

XXXX XXXX {$68.00} XXXX XXXX {$66.00} XXXX XXXX {$66.00} XXXX XXXX {$110.00} None of this collections are mine and it need to be deleted.

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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.

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 2022-03-20
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THIS ACCOUNT IS NOT MINE!!! This is a violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) and it must be deleted within 4 business days which already past because I AM A VICTIM OF IDENTITY THEFT BY LAW. DELETE THIS NOW. REMOVE IT OFF MY CREDIT REPORT IMMEDIATLY.

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 2020-03-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX is reporting a charge off on my account and the account is paid in full, and has been over a year! I have disputed this with Experian several times and they still are reporting incorrect information, most recently on XX/XX/2020, and they came back with results of me owing {$3400.00}, I also contacted XXXX XXXX and XXXX XXXX XXXX who represents 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 2022-03-20
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Unathorized " XXXX  '' transactions were taken ( XX/XX/XXXX ) through a phishing scam ( {$1000.00}, {$1000.00}, {$1000.00}, and {$500.00} ). The bank was contacted no more than 10 minutes after transactions and a fraud claim was drafted. When viewing my account the payments were fully processed on XX/XX/XXXX. After waiting 11 business days, I contacted the bank when they notified me that their investigation denied my claim. ( XX/XX/XXXX ) I then refiled a claim with the bank and filed a case with my police department. The officer had a case number but needed an affidavit of fraud. After contacting the bank they claimed to be in the process of sending it to both my email and the officer after 24 hours I recontacted the bank when they said it might be a 24 to 48-hour hold while the claim was freshly opened ( XX/XX/XXXX ). Today on XX/XX/XXXX I still had not received the affidavit and contacted the fraud department again when they notified me that those are not drafted for my type of claim.

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 2022-03-20
Company: FC HoldCo LLC
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FLAGSHIP CREDIT ACCEPTANCE is in direct violation of my consumer rights according to the FDCPA and FCRA. FLAGSHIP is reporting a debt that I legally do not owe. They are illegally furnishing data to the consumer reporting agencies which is a direct violation of 15 USC 1681s-2. Debt can not be reported if it's in fact income. FLAGSHIP CREDIT ACCEPTANCE is reporting the debt as being charged off and this is now considered to be a tax deduction for them filed by the SECRETARY of their company, and this makes this income for me according to the IRS. A consumer report does not contain income because it's a violation of privacy. 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 also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. FLAGSHIP CREDIT ACCEPTANCE has not issued my a 1099-C according to the IRS.

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 2019-10-02
Company: Experian Information Solutions Inc.
State: ND
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:
XXXX  ; Experian and XXXX are reporting incorrectly a collection in the amount of {$24000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This amount reporting is completely fraudulent. I had ( 2 ) months left on my lease with XXXX XXXX XXXX and they agreed to have me work doing construction on the property however, they never followed through with the job and now XXXX XXXX XXXX is saying I owe over {$24000.00} for damages that I allegedly had done when I took it upon myself to weed my yard and put down a couple of pieces of sod. This inaccurate reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. This is a completely unsubstantiated claim. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help

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 2020-03-11
Company: CITIBANK, N.A.
State: MD
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:
This dispute is for the purchase of 2 tickets for a comedy show by XXXX XXXX on XX/XX/2020. Upon making this purchase, I was not notified of the requirement that there would be a 2 drink minimum during the event, which I was not able to afford. The attached document, Exhibit A, shows this requirement which I was only made aware of by email after purchasing these tickets. 

I had made several attempts to contact the organizer and XXXX regarding the situation before opening a dispute. I attempted to contact the organizer through the XXXX messaging system and explained the situation, but I received no response. Unfortunately, XXXX did not provide me with a record of this message, so I can not attach it. I attempted to call the organizer 's listed phone number twice on XX/XX/2020 to explain the situation, but they did not answer either time, nor was I even placed on hold. 

I do not understand why the dispute was closed in the merchant 's favor, especially given their lack of communication on the situation. Citi did not provide any reasoning for why this dispute was closed in the merchant 's favor either.

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 2023-06-16
Company: EQUIFAX, INC.
State: TX
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 have submitted numerous " certified letters '' to Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding a medical debt collection account- XXXX XXXX XXXX that is not mine! I even submitted a letter from " XXXX XXXX XXXX '' stating they have no account with me as proof! I have been getting return letters stating my account has been " updated and verified ''. I have asked numerous times for Equifax to provide me with the paperwork and measures they went through during the investigations process to verify this account.??? I know this account is not mine and I have submitted proof numerous times backing my request. For some reason, I keep getting put through this never-ending circle of " verified '' letters that are not actually properly investigated. I'm fed up and want some answers or to provide me with accurate information on this account. I know this is not my account and that is why I have fought so hard to get this off! Not only did Equifax, not investigate my account, but they also updated and verified, and created an entirely new account on my credit report that is the SAME collector. ( XXXX XXXX XXXX ) Now, not only am I fighting one account. NOW THERE ARE TWO!!! This has to be the most irritating and draining dispute I have ever had to face. I know these accounts are not mine and I am just asking for due diligence to correctly investigate and get these off my credit report as my credit is very important to me. Thank you for your time in helping me get past the XXXX  robot on the other end of Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: WELLS FARGO & COMPANY
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wellsfargo Bank has violated my rights as a consumer that are protected under 15 U.S. Code 1605. WELLSFARGO has mishandled my mortgage debt and has failed me as the servicer of my loan. WELLSFARGO failed to disclose any additional finance charges and escrow amounts within my loan modification. I have been misinformed about all charges and total amount owed on my mortgage. WELLSFARGO has allowed HUD to place an unfounded lien on my property at XXXX XXXX XXXX, XXXX XXXX MS XXXX. In doing so I am being robbed of my earned equity in my property. WELLSFARGO has already been found guilty in the past and present of having unlawful practices in regards to their minority consumers. WELLSFARGO alleges that I owe an additional {$56000.00} to HUD whom I haven't signed any nor entered into any credit transactions with, and also state in my most recent pay off letter that I owe WELLSFARGO {$170000.00} as the final payment to clear the title of all claims by them as my loan servicer. The original credit transaction made 12 years ago was in the amount of {$190000.00}. There is no way possible that I as the consumer owe {$230000.00} as of today. Pursuant 18 usc 8 I owe no debts and the title to XXXX XXXX XXXX, XXXX XXXX MS XXXX is mine free and clear.

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 2020-05-10
Company: Experian Information Solutions 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 currently have a XXXX XXXX XXXX XXXX with XXXX XXXX, which was opened XX/XX/XXXX. The installment loan agreement was to be paid in 25 bi-weekly payments in the amount of {$19.00} with a final payment of {$19.00}. This loan has had MAJOR issues with payment processing and has a very flawed system. With that said, my bank ( XXXX ) has been connected and XXXX has automatically been taking payments from XXXX since this agreement began. They have reported my payments as on time, as they have been, to all three major credit bureaus ( Experian, XXXX, XXXX  ) until around XX/XX/XXXX. On XX/XX/XXXX I noticed a change in my payment history, and XXXX had reported late/delinquent payments to those three credit bureaus, that were previously reported on time. They changed my payment history as follows : reporting a 30 day late payment status for XX/XX/XXXX, reporting a 60 day late payment status for XX/XX/XXXX, and reporting a 90 day late payment status for XX/XX/XXXX. This is inaccurate credit reporting, and I have bank statements proving the payments were taken from my bank account for those months. This has affected my credit score drastically, by adding 1/30 1/60 1/90 late payments to my report! I contacted XXXX via their app in XXXX ( as instructed ), with no help. Then I contacted them via their complaint request on XX/XX/XXXX. The email I received from customer service was to go file another complaint about credit reporting, via the identical process I had already followed. I did follow through and do this yesterday. I am, however, extremely disappointed with the fact that no one seems to help, and Im just told to contact another department as soon as I speak with someone. Now more than ever, I dont need my credit to be affected like this. The fact that they changed these payment statuses in the beginning of XXXX during a pandemic, is wrong and financially puts a strain on people!

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 2018-11-09
Company: Tribal Lending Enterprise, Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
To whom it may concern : on XX/XX/18, I looked up a lender that would not use a credit score to qualify ( to avoid denial ). I needed a " hardship '' loan to pay rent as I didn't have income for 2 months due to losing employment. I was approved rather quickly at a 37 % loan rate and received the {$1000.00} I requested ( to pay rent/avoid eviction ). 

The XXXX XXXX Transaction was : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRN # XXXX RFB # I did not receive any loan terms documents from them within this approval process. 
Last week on Friday XX/XX/18, they withdrew a payment of {$200.00}. Today XX/XX/18, they withdrew {$330.00}. The next payment will be {$320.00}, {$300.00}, {$290.00}, {$270.00}, etc. 
This payment of {$330.00} just took my auto loan out of my checking account. Which prompted my call to them to ask what my rate was on this loan, the agent didn't know what a " rate on a loan '' even was. I asked if she can send me my loan terms. I received it immediately with the following details. 
The APR on the loan shows 666.2935 %, amount financed {$1000.00}, Finance charge {$3000.00} Total payments {$1000.00}. 

Being from a XXXX XXXX background - If I saw this, I would of looked for other resources to get out of my financial situation I was in. 

In addition to this matter, I am a single mom and this ended up putting me into more hardship than I was in prior to calling them for short term help. 

I need help as this is Pred

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
" Medical debt remarks will be wiped away from millions of credit reports beginning this summer ( XXXX ). Here are the details of the new changes effective XX/XX/XXXX : Starting in the first half of XXXX, XXXX, XXXX and TransUnion will no longer include medical debt in collections under {$500.00} on credit reports. '' I have reached out to XXXX, XXXX and Transunion to get the following medical debts under {$500.00} removed from XXXX XXXX removed from my credit report and they are : {$310.00}, {$370.00}, {$310.00}, {$66.00}, {$240.00}, {$130.00}... XXXX XXXX XXXX XXXX XXXX bills, all posted XX/XX/XXXX during the pandemic when we were having financial hardship.

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 2020-05-11
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:
The Federal Trade Commission has stopped a student loan debt relief scheme, alleging it bilked more than {$23.00} XXXX from thousands of consumers with false claims that it would service and pay down their student loans.XX/XX/XXXX XX/XX/XXXX - The University XXXX XXXX ( XXXX ) and its parent company, XXXX XXXX XXXX, will settle for a record {$190.00} XXXX to resolve Federal Trade Commission charges that they used deceptive advertisements that falsely touted their relationships and job opportunities with companies such as XXXX XXXX XXXX, XXXX, XXXX, XXXX, ... 
XX/XX/XXXX - XXXX XXXX XXXX will pay a record-breaking {$5.00} XXXX penalty, and submit to new restrictions and a modified corporate structure that will hold the company accountable for the decisions it makes about its users ' privacy, to settle Federal Trade Commission charges that the company violated a XXXX FTC order by deceiving ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: Synovus Bank
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
First Progress Mastercard Each month the bill comes in to be paid, i have been on time with all my monthly payments ... .they are withholding my credit line, to be honest my bank already cleared the funds days ago ... .. 

please help me with this ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I HAVE BEEN A MEMBER OF AMERICAN EXPRESS FOR 36 YEARS. MOST RECENTLY MY ANNUAL MEMBERSHIP FEE HAD BEEN {$55.00}. ON XX/XX/2020 I RECEVIED MY MONTHLY STATEMENT WHICH SHOULD HAVE HAD A CREDIT BALANCE OF XXXX CENTS. TO MY AMAZEMENT, THERE WAS A ANNUAL MEMBERSHIP FEE OF {$150.00}. THATS A {$90.00} INCREASE. WHEN I CALLED INTO AMERICAN EXPRESS TO LODGE MY COMPLAINT, I FELT LIKE - O WELL THAT'S WHAT IT IS. I WAS ALSO INFORMED THAT THEY EMAILED ME A NOTICE OF THE INCREASE. I REVIEWED MY EMAIL, SPAM AND TRASH FOLDERS AND THERE WAS NO NOTIFICATION IN ADVANCE UNTIL I RECIEVED MY MONTHLY BILLING STATEMENT. 
I UNDERSTANT THE POSSIBLE NEED TO INCREASE RATES, BUT NOT TO THE DEGREE THAT OCCURED. 
I WOULD BE INTERESTED TO UNDERSTAND IF YOU HAVE RECIEVED ADDITIONAL COMPLAINTS ABOUT AMERICAN EXPRESS. I AM REALLY DISAPPOINTED SINCE I ENJOYED THE SERVICE THEY HAVE PROVIDED FOR THE LAST 36 YEARS UNTIL NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I've tried twice now to link my PNC account with another account ( once on XX/XX/2020 at XXXX. and once about a month before at XXXX ) using XXXX, but I'm being informed the PNC has made a change the prevents me from being able to link accounts.

Company response to consumer: Closed with explanation