BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-11
Company: EQUIFAX, INC.
State: MD
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:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have now tried THREE TIMES via direct dispute with XXXX, Equifax, and oh boy, XXXX! to have the account status of a PAID COLLECTION updated CORRECTLY. For SOME REASON, when I paid it off, it was updated as " debt included in or discharged through bankruptcy chapter XXXX '' " debt included in personal recievorship. '' I HAVE NEVER EVEN FILED FOR BANKRUPTCY LET ALONE COMPLETED ONE! I've called the creditor to have this removed, they swear they never reported it! I've disputed it THREE TIMES with the credit bureau who EVERY TIME swears, the creditor confirmed the information is correct! NOW I DON'T KNOW OR EVEN CARE WHERE THE DISCONNECT IS, I WANT IT FIXED! PAID COLLECTION! HOW HARD IS IT TO CHANGE THE STATUS TO " PAID COLLECTION?! '' IF YOU CAN'T DO THAT, REMOVE IT FROM MY CREDIT REPORT ALL TOGETHER! 

XXXX XXXX is the creditor. I have NEVER had SO many problems with something SO XXXX simple!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I WAS GOING THRU MY INFORMATION FOR TAXES AND SAW A CHARGE FOR {$4000.00} ON MY CREDIT CARD # XXXX XXXX XXXX XXXX  ON XX/XX/16  CHARGED BY XXXX XXXX. I CALLED CHASE AS SOON AS I FOUND THIS CHARGE I SPOKE WITH THE FRAUD DEPARTMENT HER NAME WAS XXXX  THEY SAID THEY WERE CREDITING MY ACCOUNT AND OVERNIGHTING A NEW CARD. ONCE I GOT THE CARD THE CREDIT WAS THERE, BUT AFTER ABOUT A WEEK I GOT A CALL FROM AN INVESTIGATOR NAMED XXXX AT PHONE NUMBER XXXX   EXTXXXX SAYING THAT THEY WERE REVERSING THE CREDIT BECAUSE THEY HAD MY SIGNATURE ON THE PURCHASE I EXPLAINED THAT IT WASNT MY SIGNATURE, AND THAT I DIDNT DO BUISNESS WITH THIS COMPANY! I GOT OF THE PHONE AND CALLED MY NIECE WHO HELPS ME WITH THINGS LIKE THIS AND WE CALLED THE WOMAN BACK AND NO ONE HAS HELPED ME! I AM RECOVERING FROM XXXX XXXX XXXX XXXX AND CAN NOT HANDLE THIS STRESS! NOT TO MENTION I AM ON XXXX FOR THE LAST 6 YEARS! I AM UNABLE TO WORK AND AM ON A FIXED INCOME WHAT THEY HAVE DONE TO ME IS NOT OK! I DID NOT SIGN ANYTHING AND NEVER GAVE ANYONE PERMISSION TO USE MY CARD! HOW COULD THEY TREAT A SENOIR CITIZEN IN THIS WAY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-14
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Statement of Facts I, the consumer and natural person, was denied credit by AMERICAN EXPRESS , INC. when I applied for XXXX Credit Card. Adverse action against the consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act codified in 15 U.S.C. 1691c and is under civil liability under 15 U.S.C. 1692k. criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by AMERICAN EXPRESS , Inc. due to the response I received. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AMERICAN EXPRESS , INC If AMERICAN EXPRESS , INC. fails to make any reasonable procedure to resolve this matter and compensate me for the use of my credit card. I indeed will make AMERICAN EXPRESS , INC. criminally and civilly liable for all damages under 15 USC 1681n and 15 USC 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good day and thank you for reviewing my complaint. 
Recently I checked by credit report and found that the company XXXX ( now with collections company Convergent Outsourcing ) had put a derogatory marking on my report regarding an account I had with them that ending in XX/XX/2018. I have documentation showing I paid for my monthly service as normal however the last payment that I made to them ( on XX/XX/2018, screenshot of a text confirmation is provided ) was never reflected on statements thereafter. I cancelled by service with XXXX 4-5 days before my next billing cycle would begin. In essence, I should have had a prorated adjustment to my account and that didnt happen either. I was no longer in contract for mobile service with XXXX and I didnt have cell phones that were in contract with them either. I have enclosed copies of my XXXX statement, copies of my XXXX statement showing when I transferred service and a screenshot of the text payment confirmation. I talked with someone back in XXXX after cancelling my service and thought this was resolved. I have no idea why 2 years later this showing up on my credit report. This issue has put a negative baring on my credit report and am furious about it since I am in close marking to having excellent credit. This report made my rating go down XXXX points! I dont believe I owe XXXX anything thing. I would be greatly appreciative into looking at this dispute and discrepancies. Thank you in advance for your time and research.

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 2019-03-22
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
To whom it may concern : My name is XXXX XXXX XXXX on XX/XX/XXXX I went to the XX/XX/11 in XXXX XXXX to get my rent money off my Netspend card. I swiped my card and there was no money on the card. I then called Netspend and was told that they had never received it. I then called Ssi and was told that they had sent the money to Netspend. I called Netspend back and they said the money has not been posted. I then called my card and was told that my available balance was XXXX. I then called Netspend back and they said it was sent to another account. I then asked the lady if the money can be transferred to my account. She told me that it couldn't be. So I asked to speak to a supervisor and she told me that my card had been cancelled and they would have to mail me another one. By the time I recieved the new card my check for the XXXX of XXXX had been deposited in that account my other check was in. I then tried to activate the new card and couldn't. I called Netspend back and they told me that they would have to mail me another one. By the time I recieved the new card it was XXXX the XXXX and another check was put in that account and I was still not able to activate it either. Now my landlord has put me out and I'm on the streets living in XXXX XXXX XXXX in a tent. I'm a XXXXyear old man have never lived in the streets. I have had all my things taken away from me tent and all. Everytime I called Netspend and asked to speak to a supervisor they hung up on me. It was until XXXX the XXXX when I recieved a call from Netspend they asked me for my address I told them all I have is a mailing address they said give it to them and they would mail me a check. It was on XXXX the XXXX when I recieved a check for XXXX. I then called Netspend and asked where was the rest of my money. The other XXXX they said in the mail I didn't receive any more money until around XXXX the XXXX after I called Consumers financial services. One hour later I recieved a call from Netspend they asked me if I had a active Netspend card I said yes the lady asked for the numbers on the front of the cardi gave them to her she then put my XXXX on the card. She asked me to check the card and see if the money was available. I did and it was I then asked her what about my housing she then hung up on 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
Consumer complaint received 2023-06-14
Company: CORELOGIC INC
State: MN
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-06-14
Company: CORELOGIC 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Today, Monday, XX/XX/XXXX I received a writ of XXXX in the mail for a balance that I am unaware of. I contacted the collection agency ( XXXX XXXX ) to get more information and I was told that I can not stop the garnishment since it had been filed with the courts and my only recourse was to either wait for a copy of the requested account information be to sent to me and let the garnishment take place or pay the balance in full. I was told that the information would be mailed to me and it can take XXXX weeks to receive it. When I inquired more about the debt I was told that it was from a XXXX account with Bank of America in the amount of {$6300.00} and then with FIA Card Services and a judgement was entered against me in XXXX and that XXXX XXXX had the account since XXXX. I informed them that I was never served any paperwork and that this is the first time I'm hearing of a debt. I asked if the garnishment could be put on pause until I received the documentation as I felt it was unfair to be penalized for a debt that may not be mine. I offered to make a payment arrangement as well as find out if a settlement could be made until the paperwork was received in order to stop the garnishment. I was told that if it was found out that the debt was not mine that I would be refunded the money taken from my 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 2023-06-14
Company: TransferWise Ltd
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hey. 
So I'm having as issue that my account have been deactivated by WISE.COM on XXXX of XX/XX/2023 without any authentic reason. 
I'm using it as a XXXX company. 
And it is registered with my LLC. But suddenly they deactivated my account. And my amount of XXXX was in pending with wise.. 
And they don't even giving me any choice to appeal for my account reactivation. 
I want my account to be reactive so i can peruse my business with it. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 XXXX has incorrectly reported that we missed a mortgage payment in XXXX 2017. This is completely wrong. I have never missed a mortgage payment and this is injuring my credit score. XXXX XXXX has shown a pattern of incompetence ; losing our forms, " accidentally '' blocking us from online account access, and being closed at crucial times during business hours. Although our mortgage was thankfully transferred to another company, we are so fed up with them and hope that a penalty can be assessed against them for the stress that they have caused with their false 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 explanation
Consumer complaint received 2021-12-20
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Well, Synchrony bank mastercard approved me for a {$1000.00} limit credit card about 5 months ago. I have made on time payments and even paid off the balance in full. After, I paid the balance in full they reduced my credit limit to {$250.00}. Therefore, decreasing my credit score by XXXX points. They did this at the same time they reported the payment. Which in fact had a negative impact on my credit score. I gave no reasons for them to review account and decrease my credit limit. They do this quite often, my husband had a card with them and he used it and paid it off. After he paid it off they didn't decrease his account they actually closed it. His credit score also took a dip. I dont know if anything can be done about this as it has a very negative result for consumers. I think this should fall under unfair 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 2018-08-25
Company: U.S. BANCORP
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I called U.S. Bank ( where I have several bank accounts ) and applied for a Credit card with 0 % balance transfer for 20 months. I spoke with a teller named XXXX at the U.S. Bank in XXXX, KY. I gave her the account information for the 2 credit account balances I wanted transferred to the U.S. Bank credit card. On XX/XX/XXXX, I saw new credit card had a balance so I assumed the credit accounts I wanted paid were. I found out that U.S. Bank paid the wrong credit agency the amount that was to be paid to my Visa XXXX credit card. I called the XXXX branch and explained the sutuation. They they will have to research the issue and that I will be liable for the debt on my US Bank credit card, even though the bank paid the wrong creditor. They also said this issue can take up to 90 days to resolve. I know show I owe twice as much credit card debt then I really do. US Bank has acknowledged their error, but has not fixed it.

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 2023-06-14
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have called the bank Truist since XX/XX/XXXX. I made XXXX claims all denied and yet the merchant states that charged me its was a incorrect charge. The bank no matter what I do will not honor the refund. I sent in over XXXX letters and I call daily. I want my money back. The plane I was suppost to take canceled and the airlines issued me a refund back to my debit card I sent in all the paperwork to the bank disputing the charge. The bank says its a valid charge. I have the letter from the airlines showing where I was refunded avd the bank needs to located my funds and they cant seem to. Also they wont call the airlines and communicate with them to locate these lost funds.

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 2022-10-15
Company: EQUIFAX, INC.
State: CT
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:
n accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, have violated my rights. 

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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: American Credit Acceptance, LLC
State: TN
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 notice an credit inquiry on my credit file that I did not apply for nor did I give authorization to any other party to use my information. Please remove this erroneous inquiry off my credit report. I have no knowledge of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
A collection account was removed from my credit report from XXXX XXXX , XXXX and my credit decreased by 8 points. My credit score should have increased by at least 23 points for a collection account being 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