BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-25
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This complain concerns that XXXX has reported a failed to pay status on my credit report in reference to my previous lease ( XXXX XXXX XXXX account # XXXX ). the agreement per new lease being obtained ( XXXX XXXX XXXX account # XXXX ) was that three payments were going to be made by XXXX XXXX XXXX dealership itself and the last two payments being taken care of by the loyalty program. In result, that would of taken care of the five final payment obligation on previous lease. The final two payments through the loyalty program were not received by XXXX as agreed upon then when the new lease took place. I have been to the dealership a few times, I have wasted more than 3 hours of unnecessary time waiting to speak to the manager. I have always been told that the manager ( XXXX ) would see me and that I had to wait. Long after waiting and getting upset with the staff, I was told that the manager would not be present that day. Attempted to make a few direct appointment to see the manager ( XXXX ) and every time he was never present for our appointment. 
i have called XXXX directly to resolve this issue without any success. Upon the last clarification from XXXX XXXX XXXX 's financial supervisor due to my fathers bankruptcy the loyalty program will not take effect even though i was not in any way involved with his bankruptcy. The sales & leasing consultant XXXX XXXX knew of my fathers bankruptcy during the transaction and i was informed by him that this would not be an issue or problem to make all the payments needed in order to close the old lease account # XXXX and preceded in selling me the new lease ( account # XXXX ). I am very frustrated with the financial hardship and credit damage. As this has lowered my credit from a XXXX to a XXXX and now showing my status as a delinquent. This has complicated my financial aid and other financial issues. a failed to pay status on the old lease from XXXX has been posted in my credit history. All of this unnecessary work, time, headache and worrying was unnecessary had the staff followed all necessary steps finding the discovery of my fathers bankruptcy status. This should have never taken place as to the employees have all the resources they need at their fingertips.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
They have wrong employment information and also information there is also a collection that shouldn't be there because it's given to a lender which makes it the people who sent it over there 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 2019-07-12
Company: Monterey Financial Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX I had went to a pet store to purchase a puppy. The puppy was more expensive than I thought but they said I could apply for a loan. I did and was approved for XXXX dollars. I signed the contract knowing the fees and everything no worries because I was going to do an early buyout in four months. I made my monthly payments but it was always a struggle. I was charged late fees when I was on automatic payments and my bank said they never tried to charge me, I had a random charge from them and they couldnt tell me what for, etc. in XXXX or XXXX I asked for the amount of my early buyout and was told it was over 2000 when I got an email saying it was going to be XXXX when I signed my contract. The company Monterey financial handles all the finance of my contract even though I signed with XXXX XXXX XXXX. When I heard that I got off the phone and contacted XXXX XXXX XXXX  and they told me Monterey financial was in charge of the financial part of my contract. Since then I have stopped making payments and have been doing research of my own on this company and they do this all the time. When I contacted them to do my early buyout again they let me know that I was only supposed to pay XXXX in XXXX that they gave me the wrong amount twice on accident but since I havent made any payments that I now owe XXXX. I told them that it wasnt an accident when they told me on two different day, by two different representatives and that I would give them the amount I owed in XXXX but I will not give them amount now since they lied to me with the intention to scam a XXXX year old out of a extra XXXX. They threatened me with reporting me to collection and reporting me to the credit unions. They refuse to work with me or answer any questions through email because they dont want me to have any proof. When I called they immediately said we need XXXX now when I asked what it was for they couldnt answer, when I asked why I was given a false amount they couldnt answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I requested a new card almost a week ago and selected the overnight option so I could get the replacement. It is still not here. Discover needs to fix this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13
Company: Chime Financial Inc
State: MN
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 did an online dispute with the XXXX credit bureaus XXXX and XXXX expunged the account chime stride bank is still reporting to XXXX that I have an outstanding balance of {$660.00} on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/2022 I did an online dispute in the month of XX/XX/2022 I mailed a dispute to chime strive bank and a dispute to XXXX XXXX which they say is under investigation and for some reason chime stride bank has not updated their information since XX/XX/XXXX showing that I have a outstanding balance with them of {$660.00} in which I do not have a balance with them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : WELLS FARGO BANK Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX Reason : Identity theft Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX  and Transunion are reporting incorrect address, incorrect year of birth, incorrect public record on my credit report. 

XXXX  is reporting I lived at XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Ga XXXX and XXXX XXXX XXXX XXXX XXXX, Ga XXXX plus they are reporting my year of birth as 1968 which is incorrect. 

Transunion is reporting incorrect addresses and incorrect public records. 
XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX They are reporting I have two incorrect public records on my credit report. ( Bankruptcy ) XXXX XXXX has a security freeze and a dispute for the same information. However, they have not responded with the 15 days which is XXXX I will take all three credit bureaus to court to further assert that the debt is not mine and the consistent inaccurate reporting is a Federal violation of my rights as a Consumer. This is my final level of trying to resolve inaccurate reporting issues.

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 2021-04-13
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: Information belongs to someone else

Complaint:
Equifax, XXXX XXXX XXXX are reporting incorrect information on my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2020-12-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Attn : XXXX MACY FRAUD / CBR DEPARTMENT XXXX XXXX Content of recently filed complaint with Ohio XXXX XXXX XXXX 

After hours and hours on the phone with citi/ macy/ XXXX  I have submitted formal complaint to the XXXX XXXX XXXX. I have ask that you remove a fraudulent account from my credit report. I have encountered nothing but resistance and unwillingness on the part of Macy and Citi. The account was originally opened in XX/XX/XXXX. I have never had a MACY/OR   BLOOMINGDALE  ACCOUNT. I DID NOT LIVE IN OHIO AND HAVE NEVER LIVED IN OHIO. I have filed disputes with all three credit bureaus and XXXX in our recorded conversation contends it is macy/ citi that continue to report the account as a charge off to my credit. This is negatively impacting my ability to secure a refinance. 

I submitted the following complaint today. XXXX  complaint number XXXX Your complaint has been submitted and assigned the ID XXXX. For your reference, a copy of your complaint appears below. You will receive an email with further information once your complaint is processed by the XXXX 


XXXX data breach XXXX lead to identify theft in XXXX. Someone open a fraudulent XXXX MACY /BLOOMINGDALE ACCOUNT IN MY NAME. I became aware of this when I received a collection call from MACYs. I called macy/ file fraudulent dispute with all three credit bureaus. Macy has stonewalled all attempts to remove this fraudulent account and continues to report the account as a charge off on my credit reports. During the time this account was open I was living and working in the XXXX XXXX and never visited Ohio or gave anyone permission to open this account. Every attempt to have Macy 's remove this FRAUDULENT INFORMATION has been met with passing the buck. One business says call this number who then refers the consumer to another number that either doesn't work or I am told to call a different number. I have proof that I was never in OHIO and could not possibly have perpetrated this fraudulent account. Macy agents will not transfer calls or honor requests to speak to a supervisor or say they will resolve the matter in thirty days. My initial request and notification started in  XX/XX/XXXX. 

I will be forwarding a complaint to the federal government and speaking with legal counsel to determine how I can be made whole given MACY/CITI refusal to correct this fraudulent information and to remove it immediately from my credit reports. 

Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06
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 took out a personal loan from XXXX XXXX XXXX and paid it off in full on XX/XX/XXXX 
Then just recently i look at my credit report and it shows as i just took out a new loan inXX/XX/XXXX. I was contacted by them asking for my personal information and i refused to give it to them because they had all my contact information when i originally applied. 
They informed me that they did n't have any of my information because they operate as XXXX XXXX  now. I was told that XXXX XXXX reversed the payment but i was never aware of this and no one ever called or sent me any information regarding 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 explanation
Consumer complaint received 2018-01-25
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: Account status incorrect

Complaint:
This complain concerns that XXXX has reported a failed to pay status on my credit report in reference to my previous lease ( XXXX XXXX XXXX account # XXXX ). the agreement per new lease being obtained ( XXXX XXXX XXXX account # XXXX ) was that three payments were going to be made by XXXX XXXX XXXX dealership itself and the last two payments being taken care of by the loyalty program. In result, that would of taken care of the five final payment obligation on previous lease. The final two payments through the loyalty program were not received by XXXX as agreed upon then when the new lease took place. I have been to the dealership a few times, I have wasted more than 3 hours of unnecessary time waiting to speak to the manager. I have always been told that the manager ( XXXX ) would see me and that I had to wait. Long after waiting and getting upset with the staff, I was told that the manager would not be present that day. Attempted to make a few direct appointment to see the manager ( XXXX ) and every time he was never present for our appointment. 
i have called XXXX directly to resolve this issue without any success. Upon the last clarification from XXXX XXXX XXXX 's financial supervisor due to my fathers bankruptcy the loyalty program will not take effect even though i was not in any way involved with his bankruptcy. The sales & leasing consultant XXXX XXXX knew of my fathers bankruptcy during the transaction and i was informed by him that this would not be an issue or problem to make all the payments needed in order to close the old lease account # XXXX and preceded in selling me the new lease ( account # XXXX ). I am very frustrated with the financial hardship and credit damage. As this has lowered my credit from a XXXX to a XXXX and now showing my status as a delinquent. This has complicated my financial aid and other financial issues. a failed to pay status on the old lease from XXXX has been posted in my credit history. All of this unnecessary work, time, headache and worrying was unnecessary had the staff followed all necessary steps finding the discovery of my fathers bankruptcy status. This should have never taken place as to the employees have all the resources they need at their fingertips.

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 2022-08-10
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
About a few Months ago around XXXX of XXXX XXXX received an alert on my credit reports that it has dropped more than XXXX points due to an unpaid bill. When I checked my app it stated that a company called Convergent Outsourcing debt collection was trying to collect an unpaid debt of {$610.00} dollars from XXXX XXXX XXXX. I notified both the original company and collection agency that this was down without my knowledge and permission. The company is a utility company out of XXXX Texas and I informed the manager that I'm from XXXX XXXX and never lived in XXXX. They gave back the information that contained my social security number which I never gave out and told them this was a mistake since I've lived in XXXX XXXX for most of my life. I also filled out an identify theft report from the the trade commission back in XXXX since I thought it would be resolved and showed it wasn't when i went to a bank to apply for a credit card and was denied due to the identity theft which showed I had and unpaid balance that went to collection which is why I was denied. Im trying to apply for credit or even plan on getting a new car but due to the collections report that isn't mine its causing alot of stress since my record shows owed debt that is not belonged to 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 2018-01-25
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Reference ID : XXXX. Its been over 180 days. I tried adding my bank but it would n't allow me. I tried requesting a check, but it would n't allow me. It seems like system is having difficulties verifying my phone number. I have {$390.00} in my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XX/XX/XXXX - sent letter to all 3 credit bureaus and XXXX XXXX ( creditor ) disputing loan balance and payment history XX/XX/XXXX - send 2nd letter to all 3 credit bureaus and XXXX XXXX ( creditor ) disputing loan balance and payment history Both instances where letter was sent, the only response I received was " verified ''. 

Currently that is the only response i received from anyone regarding my issue since 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 2018-01-25
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
several inquires on report that are unrecognized, plus they are none account holding inquires thats not from an employee orinsurance. 

XXXX XXXX XXXX XX/XX/XXXX unrecognized inquiry XXXX XXXX select XX/XX/XXXX unrecognized plus none account holding XXXX XXXX XX/XX/XXXXunrecognized plus none account holding inquiry XXXX XXXX XX/XX/XXXX unrecognized plus none account holding inquiry XXXX XX/XX/XXXX unrecognized plus none account holding inquiry XXXX card XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XXXX XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding ive filed several disputes asking for proof of inquiries but only got a response back that they were confirmed

Company response to consumer: Closed with explanation