BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: AL
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$630.00}

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 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 filed chapter XXXX bankruptcy on XX/XX/XXXX. I had two credit cards from XXXX XXXX that were included in that bankruptcy which is almost paid off, current, and never delinquent. XXXX XXXX and Trans Union are reporting late payments to those XXXX XXXX accounts as recently as XXXX. I was never late on those cards ; they are included in bankruptcy ; I do not make any payments to XXXX XXXX on those cards, therefore, payments are not late and should not be reported at all. I have tried to get this corrected. The " late payments '' are affecting my Trans Union score and are creating a barrier to getting a mortgage. 

They must remove any payment history after 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 2021-06-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is in relation to my previous complaint I filed against WellsFargo. I have attached a copy of my previous complaint confirmation as reference. WellsFargo responded to my complaint but FAILED to address the issue of my complaint. WellsFargo essentially provided me a history of what happened on the account but failed to address the 120 days late I was assessed for the month of XXXX 2021. I settled the wellsfargo account IN FULL on XXXX 2021. How can I be late if there was no balance?? The new 120 day late tanked my credit score and this is a complete violation. XXXX  seems to be the only bureau to report this error. I am not asking to have the whole WellsFargo account deleted, but I am asking to get the new 120 day late payment 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 non-monetary relief
Consumer complaint received 2018-12-19
Company: Paypal Holdings, Inc
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Every time I try to make a payment, I receive this error message : " Sorry, we weren't able to complete your payment at this time. Please try again later. '' I contacted paypal, and I was told there is no problem with my account, but I still get the same error message.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: DISCOVER BANK
State: IL
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 have alot of credit inquiries on my account that i did not apply for and i put a 90 day fraud alert on the 3 credit bureaus. I recently noticed a XXXX  and im not applyiny for nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
According to my XXXX XXXX which I monitor with XXXX XXXX XXXX, my score dropped over 100 points within a 30 day period. There were no significant changes to my credit report other than my move ( two blocks ) to a different apartment. This is not supposed to affect the credit score!

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 2018-05-23
Company: CITIBANK, N.A.
State: NJ
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:
Hi, This is to complain an unfair treatment I received from Citibank. 

On XX/XX/XXXX, I received a US mail from Citibank with attached checks, encouraging me to make a balance transfer. On the same day I made a transfer of {$10000.00}. 

I regretted this transfer later because the interest rate is 5.99 % and I paid a {$400.00} transfer fee. Therefore I want to check with Citibank if I can get the {$400.00} transfer fee refunded. 

On XX/XX/XXXX, XXXX XXXX, I called Citibank. On a recorded line a service rep named " XXXX '' told me the transfer fee can be refunded, but I need to pay off the balance in the statement first On XX/XX/XXXX, I paid off the balance On XX/XX/XXXX, XXXX XXXX, I call Citibank again, and a service rep " XXXX '' told me the balance transfer fee is not refundable. 

Attached please find the statements of the credit card. 

I feel I am not treated ethically by Citibank. The {$400.00} transfer is simply not fair to me. As a customer Citibank does not have right to charge me {$400.00} if I borrowed {$10000.00} and return it back within 20 days. This is another trick by a mega-bank do to a regular customer like me. 

Therefore I need your help to get this straighten out. 

Thank you for your help! 

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 monetary relief
Consumer complaint received 2021-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I disputed inaccurate information, inquiries, as well as accounts that was not mine that have been falsely reporting on my credit reports. I addressed these items was not valid and demanded they be investigated. I also demanded that any information not validated be removed from my reports, and anything that was verified I demanded to see proof of validation within 15 days of completion investigations. All sent certified mail it has been over 45 days and no changes to my reports have been maid nor have there been any proof of validation. According to the FCRA section 609 these agencies are violating my rights and reporting inaccurate and incomplete information as well as information thats completely not mine. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, are the accounts falsely reporting on my reports all information is different on each credit bureau as if there are duplicate accounts. XXXX refuses to remove old inaccurate address XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX and follow suite with Transunion and XXXX which have already removed this address. Even though I informed them of potential fraud. 
XXXX XXXX is reporting my wife debt which was just an insurance error and have been recently rectified and paid through my wifes insurance. Upon speaking with the original debt holder ( XXXX XXXX XXXX ) they informed me that they didnt tell XXXX XXXX that the debt was mind or that I was an co-signer, I was just listed on the paperwork as Spouse and as Father to my wife and daughter the XXXX  individuals who actually received the services falsely being reported on my profile. I requested debt validation from XXXX XXXX directly and they sent over what they have and upon reviewing items sent to me. There is nothing with my signature, nothing obligating me or co-signing, only debt in my wifes name. They have failed to validate the debt concerning 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 2017-11-20
Company: ALLY FINANCIAL INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I 've gotten repeated voicemails for a distant relative with a different last name, who has never lived at my address. The company says they are Ally Financial. I 've never done business with them or ever heard of them before this. They called my daughter on her work phone and my son in the XXXX XXXX XXXX. They 've never done business w Ally nor lived with the person Ally is calling about. I most recently got a voicemail at XXXX today, even though I blocked their number on my cell phone. 
I do not use private unscrupulous lenders such as this company ... i looked them up online ... i only ever use highly rated credit unions and banks. I 've mentored those with credit issues when I was a XXXX XXXX and deplore the tactics used by companies like Ally. I want them to be punished to the fullest extent of the law. And they better never call me or my kids ever again.

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 2021-06-21
Company: Experian Information Solutions Inc.
State: FL
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:
reporting one fios number on experian site and another fios number to a credit co. 
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 2021-08-06
Company: XOOM CORPORATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Xoom, a XXXX XXXX Repeated issues with them. I send money to the same people all the time. I added a new person this week and now they suddenly want my W-2 or a copy of my taxes for proof of funds AFTER I already sent them a copy of my bank statement, with my account number marked out of course. I have been doing business with them for three years and every time, I have met all of their compliance regulations. Finally, this is out of hand. There is limited customer service, no where to escalate issues within Xoom or XXXX and they handle millions of dollars every day and stay sheltered. Yesterday, I held for the Xoom compliance department for 5+ hours on the phone and was disconnected by them before ever speaking to a Live Person. Unacceptable. An agency must step in and help us, the customer, with this company. I have a large log of calls and emails with this company. Their customer service is based in XXXX and besides being difficult to understand, they have zero authority to handle issues. They are reading from a script and if the script don't fit, the customer is the one that loses. They refuse to escalate and nowhere on the Xoom.com or XXXX website does it allow you to file corporate complaints. 
They also tell you that you have " sending '' limits, but nowhere on their website can you find your personal limits, or if you are a level 1, 2, or 3, yet they will use that against you if it fits their " script ''. As a money service responsible for millions of dollars in transactions per day, the consumer deserves more control over their account. I hold my breath with every transaction I send, knowing I have not done anything wrong, but wondering what they might try to find wrong with it. It's almost like they arrest you for speeding, but never post a speed limit sign or tell you what the speed limit is. Please help us, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello I really need help with Ocwen mortgage they lied to me since they foreclosed on my home in XX/XX/XXXX.. I have been trying to get help but with no money no one will talk to.me. I have a case management coming up in XX/XX/XXXX. But they sold my house to the new owners in XX/XX/XXXX Ocwen does not have a ejectment or a processing of my property. The new owner taped a letter to my front door telling me I have 2days before locks changed or sign a lease which they were not the owners I just want to get my house back only thing I have left

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 2019-10-01
Company: Global Lending Services LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2019 i responded to a cold call from a slaeman from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX Fl. XXXX XXXX ) i said that i would be interested in seeing what was available but made it clear i did not want my credit report pulled. I reported that i had several credit reporting apps and had a rough estimate of what my score was. When i arrived at the dealership i discovered that my report had been pulled and several inquiries were made. I never gave verbal or written permission for that to be done

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: CONTRACT CALLERS INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2017 i sent contract callers inc a letter disputing the debt that they are reporting on my credit file, they never responded to my request, i than sent another letter on XX/XX/XXXX and  received a response from the collection agency yesterday stating that the debt has been validated with a copy of a recent bill. In my original letter i asked the agency to provide proof of verification which should include a signature and any original documentation required under section 609 ( a ) ( a ) ( A ) & Section 611 ( a ) ( a ) ( A ) ( consumer contract with my signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA which states " you are required to promptly delete all information which can not be verified '' i contacted contact callers today via telephone and spoke with a rep and asked her to provide me verifiable proof that this debt belongs to me and she was unable to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Experian Information Solutions 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:
I was advised to contact you all because I went to a first time home buyer seminar at my church and they had some lenders there and I  was told that I did not qualify for the program. They went over my credit report and I see some things on there that I know nothing about. I contacted FTC and my local police. XXXX. XXXX, XXXX  XXXX. XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX. Please remove these from my credit.

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 2019-05-07
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
On XX/XX/2019, they called at XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I finally answered at XXXX XXXX. They were calling because my loan payment of {$XXXX} is  late by 9 days. My loan payment was due on XX/XX/19 and they are already calling me this frequently, including on the weekends. This is typical daily call frequency if the loan becomes more than 2 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: EQUIFAX, INC.
State: IN
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 XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XXXX XXXX was using my social security number opened a credit card at Home Depot ( last fouXXXX digits of account : XXXX ) on XX/XX/18. The information was given to me at Home Depot in XXXX, Fl by a Home Depot Manager. Home Depot : XXXX XXXX XXXX XXXX, XXXX, FL XXXX-Phone Number : 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 2019-05-07
Company: Credit Card Receivables Fund Incorporated
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Please see case XXXX feedback Status Feedback provided on XX/XX/2019 Your feedback The companys response addressed all of my issues No ADDITIONAL COMMENTS I need your help.. I contacted XXXX XXXX XXXX and they told me that they cant give me any information. but now I got a letter that they issued me a triple seal judgement. please can you help me resolve this case. thanks in advance Sincerely XXXX XXXX XXXX. 

Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There are time limits governing when a creditor can sue you for a debt. These laws are called statute of limitations. In Maryland, the statute of limitations requires that a law suit be filed within 3 years for written contracts to include credit cards. 

XXXX made three erroneous updates on Equifax report with 2 accounts ending in XXXX and 1 account ending in XXXX. Then on XX/XX/2018 XXXX went on XXXX looking for another dispute from me, changing an account to read XXXX using company bureau ID XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I CALLED NAVIENT LOAN SERVICING IN XX/XX/XXXX TO LET THEM KNOW THAT I WAS NOT EMPLOYED AND ASKED FOR A DEFFERMENT SINCE I WAS HAVING TROUBLE PAYING MY BILLS. THEY INSTEAD SUSPENDED MY PAYMENTS FOR A THREE MONTH PERIOD AND ALLOWED INTEREST TO ACCURUE. I DID NOT KNOW THAT THERE WAS OPTIONS. I AM A SINGLE MOTHER AND I FELT TAKEN ADVANTAGE OF.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Fidelity National Information Services, Inc. (FNIS)
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft and there was a checking account established with XXXX XXXX  with a line of credit attached that they used to overdraft the fraudulent account. I have tried to contact Chexsystems in getting the item removed but have been unsuccessful there was also some inquiries with XXXX XXXX XXXX that was showing as well I never applied for anything with that credit union.

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