BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX  XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2020-10-30
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
I have to submit this complaint because i have tried to contact you multiple times via the telephone and by the mail regarding this but I never was able to get my issue resolved. You never responded to my pleas. My credit report obtained recently shows a derragatory report posted by Wells Fargo bank as XXXX, as derogatory with the words charge off next to it. During this period I was dealing with the the deaths of both of my parents. I was forced to assume responsibility for their medical and other end of life needs. I only missed one credit cardpayment. I called multiple times and multiple times a Wells Fargo phone customer service rep assured me that Wells Fargo will remove it all. The customer service reps were graciously understanding and indicated that the late payments from this tumultuous time would not affect my credit. I am attaching the 2 death certificates of my parents as proof. 

Note, I was never told that by paying the balance in full I would be subject to a derogatory report on my credit. If I had known I would have done something else.

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 2020-10-30
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I went on XXXX to purchase an item. The item was listed for {$2.00}, but in the description of the item the seller said they only accept payments from XXXX or XXXX. I have a Wells Fargo checking and savings account and I used XXXX from the Wells Fargo app. The seller wanted {$550.00} for the item and they sent me messages through eBay I have all of the messages on my XXXX account. I sent {$450.00} through XXXX on my Wells Fargo app. I messaged the seller Ill pay them the rest later that week. The next morning the item on XXXX  was taken down and the seller never messaged me back after I sent a few texts. The seller scammed me for {$450.00} and I filed a claim at Wells Fargo on XXXX I waited the 10 days for them to give me an answer on my case. I called Wells Fargo and I was told Im not receiving anything for what I lost despite me having all the evidence of what happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions 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:
UNVERIFIED ACCOUNT. Per CRSA enacted, XXXX implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.

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 2020-11-09
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence RM is sending me letters stating I owe XXXX-XXXX  money which is the amount of {$1000.00} but have failed to verify the debt and amount that I owe. I sent a certified letter asking for verification and they have failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am inquiring about XXXX XXXX Acct # XXXX. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency.

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 2020-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2020, I received a email letting me know that Capital One Bank USA had ran my credit without my permission, which in turn dropped my credit score. I would like for this information to be taken of my credit. 

I will definitely be in contact with Capital One tomorrow XX/XX/2020, to see why they ran my credit without my consent, and for what purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-04
Company: MiraMed Revenue Group LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX XXXX hired MiraMed Revenue Group, LLC to collect a {$57.00} debt for my young daughter rather than contacting us directly. This week MiraMed has contacted relatives of ours using a robodialer and left personal account information for my daughter on their voicemail. The automated message indicated that the person listening should hang up if they are not the parents because it contains " personal and private '' information ( I do have this recording saved ). The message continued to provide the private information on the voicemail without a prompt for consent ( for example, pressing a key to continue ). ANYONE is able to enter the reference number they provided on MiraMed 's website, mmrgpayment.com, to easily access account information with my childs name, address, debt amount, and medical creditor information. It's like openly handing out a password! Hopefully MiraMed did not contact any other third parties and provide private information about my family because it would be just as easy for them to access this private data. This goes against the Fair Debt Collection Practices Act ( 15 U.S. Code 1692c ) as they should not be disclosing private information to third parties. Additionally, I have not yet received any written notification regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: JPMORGAN CHASE & CO.
State: TX
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:
I made payments of {$1500.00} to pay down my balance on my XXXX CC so that my utilization would not show as high and raise my score. And what does chase do as soon as I pay off that amount?? THEY DROP MY XXXX CREDIT LIMIT SO MY UTILIZATION IS HIGH AGAIN!!! Im trying to buy a home in the next year and you are causing me financial harm not just now but FOR THE FUTURE!! Put my credit limit back where it was when I had this card!! Am I the ideal customer? No. But I called you all multiple times and told you my husband had lost his job and we were struggling to make payments. Even with that knowledge I made payments to you all anyway! You know what I couldve done with the money if I hadnt paid you all? XXXX XXXX! This is what the bailout money of XXXX did? Allow you all to crush the middle class working person who is down one income??? Had I known you would pull this XXXX I would not have paid that XXXX and would have just kept making the minimums!! Give me my credit limit back or give me my money back!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I have had a credit repair company XXXX XXXX XXXX multiple times and the federal school loans will not corporate with them that I pay to try and reach out to get the information correcred XX/XX/XXXX thru XX/XX/XXXX I have myself today once again, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have been trying to been disputing these accounts since XX/XX/XXXX. Comments where added : different on all 3 reports, payment status do not match, account details. I get a three bureau credit report from XXXX every 2 months. I can send my credit report if needed and I have tried to contact the original creditors and they tell me they can not do anything at all for me. The credit bureaus or reluctant to help and only agree to help since I said I was reporting to the FTC and my credit score goes down everytime I ask for a dispute because they put comment on my credit reports. My current school loan is current since this year. I am asking for accurate information and all 3 credit bureaus to match. The school loans are allowed to get away with sloppy reporting and its hurting my credit because of the classification and not all being removed from my credit report if it was from another once I disputed it. I can gladly send a credit report so you may see yourself.

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 2018-03-01
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was working for a Massachusetts XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MA XXXX XXXX, when i was provided a credit card issued by American Express by owners of XXXX to use for buying for XXXX. This XXXX defaulted some last bill. I was contacted instead of XXXX owners and forced to pay and settle as it was reflecting on my credit report. My repeated requests are not entertained or responded till date that I don't own this debt personally and this should be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
From XX/XX/2020 to XX/XX/2020, my Equifax score plummeted from a FAIR XXXX to a POOR XXXX. The same dramatic decrease did not happen with the other two major credit reporting bureaus ( currently XXXX & XXXX ) and nothing major happened in those 30 days to justify such a drop of 41 POINTS. 

When I asked the customer service rep ( and then the supervisor ) if there may have been a computer error, I was told that " the score is the score '' and that I would just have to " deal with it ''. 

I received no concrete insight or proof as to how that drop may have occurred, but given that NO new collections accounts were added and all payments were made early or on time ... AND ... the fact that older collections accounts have less impact as time goes on ( not more ), BUT if they do ... it is a decrease of maybe 3, 5, 10, or even 20 points ... NOT 41. 

What recourse does a consumer like myself have against these credit bureaus that control our lives with these three digit numbers? What accountability do these companies take, if any? 

As far as I'm concerned, this potential error has set me back up to 6 months and negated much of the credit repair work I have been diligently doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2020, I sent out dispute letters to have XXXX & Equifax remove multiple errors on my credit file. It has been over 45 days and I still have not gotten a response or any results for the dispute. XXXX has already corrected the error since I have sent off the letters in the mail. I understand that under the FCRA that XXXX & Equifax have to remove the errors on my credit report since they have not responded with the 30 days allowed by law which has caused me hardship during this Covid 19 pandemic with my finances. I've also have called to resolve this issue with no progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Netspend Corporation
State: WI
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:
We tried a week ago to activate this card and were told we had to send in a scanned copy of a Social Security card, driver 's license and proof of address. After three different pieces of mail were sent as proof of address ( including voter registration card ) they still would not activate the card. Also, the receipt for the gift card clearly indicates the value on the card is {$300.00} and the credit card company said there is only {$270.00} on it. Netspend is the name on the card and it says that it is issued by 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 explanation
Consumer complaint received 2021-04-29
Company: TIDEWATER FINANCE COMPANY, INC.
State: UT
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:
Tidewater Credit is reporting late notations on my credit file that are inaccurate. I had an auto loan with Tidewater Credit however, this has been settled and paid in full by my insurance because my car was totaled. They let me know that they would take care of the rest of the loan and I was unaware that I was receiving late notations. I was under the impression that GAP insurance had paid off the loan amount and when I called them to inquire about it, they said that it was taken care of. My guess is they probably paid it out late. It was not my intention to be late on this loan, and this is not my error. I ask that Tidewater please remove the XXXX late notations. 
As for the XX/XX/XXXX late. I got XXXX at this time and was out of work for nearly month as I got really sick. Once I got back into work I used my first paycheck to take care of absolute necessities and caught up on my auto loan as soon as I could. I ask you also take leniency on this late as me getting sick was very unexpected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have had a credit card with Best Buy ( Citibank ) for a long time and have used it and paid it back. I had a small balance left from a previous purchase but needed to buy a new refrigerator. I was going to pay cash but the sales associate at the XXXX XXXX, Illinois location kept insisting I pay with my credit card. I told him I had a balance that already had 0 % but he said I could have two simultaneous promotions. He said I could get the refrigerator at 0 % for 12 months so I accepted even though I really just was comfortable paying cash. When I got my first statement, I saw that the refrigerator was no at % interest. I made the payment and tried to call the store but the manager never called me back. Finally he called back after several calls and told me to call Citibank. At this point, another statement generated and it still had interest being charged. I called Citibank and they said they would look into it. I never heard back and got frustrated and paid it off. I understand with COVID, call centers were very delayed but I have been inquiring with store and customer service for months. On XX/XX/XXXX ( after I paid off ), I decided to send a message to them to voice my complaint and request a refund of the interest I paid on the refrigerator. I got a message back a week later apologizing for not " meeting my expectations '' and they appreciate feedback. Here is the exact email they sent me : We received your recent inquiry regarding the account. 


The time you took to let us know that we did not meet your expectations is appreciated. For this, we sincerely apologize and hope that you will continue to make us your choice for quality and value. 

Your business and feedback are very important to us and we will continue to improve our service to you. 

We regret any inconvenience or difficulty this may have caused you. 

Nothing about the fact they lied, ignored my previous calls, or a resolution on refunding me interest. I am so upset that just apologized but did not research the issue or refund 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 monetary relief
Consumer complaint received 2021-03-16
Company: Winklevoss Exchange LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I signed up for the Gemini crypto currency exchange ( www.gemini.com ) on XX/XX/XXXX. I submitted documents to verify my identity that day, along with a {$500.00} transfer from my bank a few days later. To date ( XX/XX/XXXX ), Gemini has not finished verifying my identity and I am therefore unable to withdraw my money. I have REPEATEDLY tried to contact their support organization, with absolutely no response. These are the dates on which I contacted support : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Their excuse has been unprecedented volume, but some people are verified in minutes and others, like me, have waited weeks with no communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: WELLS FARGO & COMPANY
State: NV
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 an inquiry on my credit report from Wells Fargo Education Services in XX/XX/2019. I use XXXX XXXX XXXX to pay for school. I did not make this inquiry and I would like it to be 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