BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-05
Company: EQUIFAX, 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:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$0.00} XXXX XXXX {$860.00} XXXX XXXX {$0.00} XXXX XXXX {$790.00} XXXX XXXX XXXX {$1900.00} XXXX  XXXX {$1100.00} XXXX XXXX {$220.00} XXXX   XXXX {$2000.00XXXX XXXX XXXX {$92.00} XXXX XXXX {$1400.00} XXXX XXXX {$160.00} XXXX XXXX XXXX {$95.00} XXXX XXXX   XXXX {$1900.00} XXXX XXXX XXXX {$1000.00} XXXX   XXXX XXXX {$530.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
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: Information belongs to someone else

Complaint:
I submitted several disputes with each credit bureau. I have been a victim of identity theft and as a result my personal information was used and compromised. Several accounts showing on my credit report are listed as a result of identity theft. I have contacted XX/XX/XXXX and they are refusing to remove these fraudulent account as well as XX/XX/XXXX and I am not able to gain access to Equifax so that I can dispute these fraudulent accounts with them as well. I have submitted a verified police report as well as an FTC affidavit as verification of being a victim of identity theft. When contacting XX/XX/XXXX I was told by a representative of the Specialized Fraud Department, that once a dispute is submitted and the company says that the account is yours they will not remove it. This has caused me a major hardship, because my information was stolen and I have been victimized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
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: Information belongs to someone else

Complaint:
Ive checked r my credit report and I saw some collections that were on there. It says that I owe you guys a lot of money but, I dont know what its for. Can you please let me know where this is from and how do I owe this to you? My XXXX XXXX is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of this.

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 2018-02-02
Company: Netspend Corporation
State: AL
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:
On XX/XX/XXXX I was able to transfer {$400.00} from my Netspend Control Card Account to my Netspend WU Card Account. I was able to make the same transaction on XX/XX/XXXX for {$500.00}. Today XX/XX/XXXX I now and currently have been on the phone with Netspend for almost 2 hours. I have spoken with 4 different people. I'm being told that they aren't able to do this type of transaction or the system will not allow for it to be done. When I point out the dates and the amounts of the previous transaction no one can give me a logical explanation. I'm very frustrated because I need access to my funds and being a customer of Netspend for over 5 years or more this is truly concerning. Both cards are Held by XXXX/ Netspend . As a consumer, I feel something is not quite right and need answers.

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 2020-06-05
Company: Webcollex, LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I've received four phone calls this week from the following company : CKS Financial XXXX XXXX XXXX XXXX, VA XXXX Both times a " XXXX XXXX '' has left me a voicemail notifying me that I would be taken to court, arrested if needed, and credit ruined if I didn't immediately call back their mediator by the name of " XXXX XXXX '' at ( XXXX ) XXXX. I have no outstanding debts owned by CKS Financial so this is clearly a scam. I have called the number for Ms XXXX twice and left messages notifying them that I am aware their tactics are illegal and to remove me from their list, but I continue to receive these phone calls on a daily basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
After multiple attempts through the credit bureaus ( Transunion and XXXX ) and through the company XXXX XXXX I have been unable to come up with a resolution to my issue. XXXX XXXX is reporting inaccurate information on my credit files ( Transunion and XXXX  ). As seen in the provided documents the account number as well as the balence owed and the last payment are all inaccurate and is yet to be verified. This trade line needs to be completely removed for the multiple inaccuracies.

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 2018-10-09
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
united revenu corp states that i owe them {$1200.00} dated XX/XX/18 acct number XXXX. I have no knowledge of this account, please have them remove 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 2018-10-09
Company: Siggi LLC
State: VA
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:
After multiple attempts through the credit bureaus ( XXXX  and XXXX  ) and through the company Omni Financial I have been unable to come up with a resolution to my issue. Omni Financial is reporting inaccurate information on my credit files ( XXXX  and XXXX  ). As seen in the provided documents the account number as well as the balence owed and the last payment are all inaccurate and is yet to be verified. This trade line needs to be completely removed for the multiple inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: General Motors Financial Company, Inc.
State: MD
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 reached out to GM Financial many times because they continue to report inaccurate information to the credit bureaus. They have two loans on my credit report dating XX/XX/2011 and XX/XX/2011. Both report the same amount of XXXX as the amount of the loan I took out. This is not true! I did not take out two loans two days apart. I would like to have this removed from my credit report. GM Financial has refused to do so. I really need help with this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Ms. XXXX suggested that Wells Fargo was unable to establish contact with me. This is a lie since Wells Fargo has not attempted to contact me. The last time I spoke to them, I was told that XXXX XXXX was handling my case. They have my telephone number as I have been their customer for at least two years if not more. Mr. XXXX did not contact me to tell me someone else was handling my case and no else did either. 

I believe Ms. XXXX is basing her inaccurate information off of XXXX XXXX lie which suggested that I did not want to receive any phone calls ( See Ms . XXXX  first response REQUEST FOR NO MORE PHONE CALLS on page 4 ). What I told Wells Fargo was I wanted a response to the VA form issue in writing ( via email ) instead of a phone call since I did not trust that they would call me back. I also wanted the response in writing in case they decided to change their answer and I suffer the consequences from the VA. Even before this is issue, I was lied to and told someone would call me back. Many of those phone  calls never came. Days before I spoke to XXXX XXXX, I had a long conversation with a Wells Fargo representative and she told me someone would call me back. That call never came and when I called, I was eventually put in contact with XXXX. 

In addition, Ms. XXXX just attached the responses that Ms. XXXX sent without doing any work. I provided an email that contradicted Ms XXXX Horns statement that no evidence that the loan would be completed and boarded by XX/XX/2020. I did not specifically address that date but XXXX XXXX did in the email he sent me. Ms. XXXX did not even address email in her non-response/resolution. 

During a call with a Wells Fargo representative on XXXX XXXX, I was told that during a refinance interest is accrued daily if the payoff is not made by XXXX XXXX CT to Wells Fargo billing. The question that Ms. XXXX and Ms. XXXX have refused to answer is why there was a delay from the refinance office to the billing office which then lead to insufficient funds being available to close out the original loan I am resubmitting my complaint and will continue to resubmit my complaint until Wells Fargo addresses my concerns rather than cherry-pick and provide false narratives to my concerns. Outside of the email from XXXX XXXX, nothing has changed in my complaint.

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 2018-06-06
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
This card was a replacement card for a compromised card ( clearly had tampered with, damaged magnetic stripe, a thick glue covering numbers on front etc ). I received a replacement card but I was told it would not be activated until I sent a submission via fax proving my identity and possession of replacement card, which I did on XX/XX/XXXX. The card was supposed to be activated within 2-3 business days, but it STILL has not been activated. This is unacceptable.

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 2019-01-26
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: Account information incorrect

Complaint:
I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. I will expect you to notify me the results of your investigation within five ( 5 ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable. 

The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX XXXX - This account was charged off listed with wrong balance please delete. 

2. ACCT. NAME : XXXX XXXX XXXX - These 2 accounts were charged off and listed with wrong balance please delete. 

3. ACCT. NAME : XXXX XXXX - This account was charged off listed with wrong balance please delete.

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 2018-10-09
Company: Experian Information Solutions 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:
I am a victim of identity theft. The accounts XXXX XXXX  and XXXX  XXXX XXXX which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. The accounts are also reported multiple times which is against the FCRA

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 2018-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 HAVE LIVED IN XXXX XXXX NEVADA SINCE XXXX AND THERE IS A MEDICAL ACCOUNT ON MY CREDIT REPORT FRO, ALABAMA FROM XXXX, OR XXXX FROM XXXX XXXX HOSPITAL IN XXXX, ALABAMA .. THIS S NOT MY DEBT I HAVE BEEN WITH XXXX XXXX XXXX XXXX OF CALIFORNIA FOR OVER 4 YEARS. NOR HAVE I BEEN TO ALABAMA OR A HOSPITAL THERE. THIS IS NOT MY DEBT FROM XXXX.PLEASE REMOVE FROM MY CREDIT FILE

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 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible

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 2017-12-08
Company: EQUIFAX, INC.
State: MO
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:
Earlier this year after making my complaint about paying on line alleging the practice was unfair and discriminatory towards people on XXXX and retirees XXXX XXXX falsely reported my loan balance in an amount that was higher than what I actually owed them. After having no resolve with then I disputed the amount with the credit bureaus and submitted evidence ( my mortgage statement ) that my balance was not what XXXX XXXX was reporting .... The credit bureaus corrected the balance. as of XXXX of 2016. a couple months later I noticed that XXXX XXXX was not reporting my payments after that. I notified them of the problem but never got any real resolve. I had spoken with them on a few occasions about it however here we are 6 months later they are still not reporting my payments and the reduced principal balance. I have recently taken the initiative to report it myself by sending in statements of over the last 6 months showing the payments made and the reduced balance. It is my belief the actions of XXXX XXXX  XXXX XXXX is retaliatory for my alleging what I then and now consider a discriminatory practice toward people who are on fixed incomes such as XXXX, ssi or retired because their online payment system penalizes people who do n't pay their bills on or before the first of the month due to being on a fixed income and I expressed offense when a representative suggested I pay an extra payment in order to avoid a {$5.00} charge to pay my bill on time online and I called the charge a late fee. I was refused proper direction as well when asked how to properly file a complaint regarding both matters

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Capio Partners, LLC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On one of my many visits to the hospital for a XXXX the staff wrote in that i was injured on the job causing my insurance to back out and not pay. I had to fill out all kinds of reports deal with harassment and unprofessional behavior for months while doing thier jobs because no one at this hospital seems to know how to do thiers and furthermore would rather check a box indicating a work injury making thier job easier and destroying my credit. I talked to my insurance got the file number after several days of cat and mouse since i work very hard finally reached XXXX XXXX and gave them the information so they would stop harassing me for thier mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The account with XXXX XXXX XXXX was closed and charged off back inXX/XX/XXXX and on XX/XX/XXXX it was removed from my credit report and they placed it back on my credit report this year XX/XX/XXXX and should be off on XX/XX/XXXX i want this account removed from my report because I even called the collection office and they dont even have an account for me because that account was written off back in 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 explanation
Consumer complaint received 2020-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
On XXXX of XXXX, I opened a credit card account with capital one. I defaulted due to financial mismanagement, I was informed the account was sold to a third-party whom I then reached out to and paid the account in full. XXXX XXXX XXXX removed the account from my credit report. I noticed the account continues to be reported on all three agencies by Capital One. The account status as sold to XXXX and does not include any remarks that it was paid in full just a XXXX  balance, I spoke with Capital One they stated they are not reporting on their end. I spoke with XXXX and they mentioned they are a bank not a third-party collections agency. I spoke with the three companies as well as the credit reporting agencies XXXX, XXXX, XXXX. Noone seems to have an answer. I firmly believe they are not performing an extensive investigation even though I have provided all the details and concerns. The account shows no activity past XXXX. Please remove. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, I purchased jewelry from Zales in the amount of {$1400.00}. Zales sold me the jewelry on a 12 month interest free promotion. I was willing to pay cash but the sales person sold me on the promotion as " free money '' and pushed me to open up a Zales credit card account. It wasn't clear to me that the promotional credit contract ( Comenity Bank ) I was signing was separate from the credit agreement I was signing with Zales. 
I received monthly bills from Zales, indicating that payments were due by the XXXX of the month. On XX/XX/XXXX, I made my first payment of {$120.00}, and continued making 11 additional payments of {$120.00} each delivered by the XXXX of month, the final payment was received on XX/XX/XXXX ; for a total amount paid of {$1400.00}. 
On approximately XX/XX/XXXX, I received a bill from Zales with a promo interest adjustment of + {$260.00} and a new balance of {$260.00}. 
To my surprise, I was being back billed for accrued interest because I didn't payoff the original purchase amount by XX/XX/XXXX. 
I was using the due date and billing cycle on the credit card bill.. .to make the payments which were " out of sync '' with the 12 month promotional payments due date. This resulted in my final payment of {$120.00} arriving on XXXX days past the promotion end.

Company response to consumer: Closed with explanation