BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-24
Company: EQUIFAX, INC.
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: 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 2021-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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 paid off a XXXX dept and my score keeps going down. I is supposed to go up when you pay off a debt. It has gone down 10 points every month in the last two months. that is 20 points in two month. You pay off a debt it is supposed to go up. It has gone from XXXX to XXXX for no reason. 

They also refuse to take off a fraudulent debt XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-08
Company: Remitly, Inc.
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
I have sent money through REMITLY for an instant transfer via gcash and was promised money will be available within XXXX, reference number : XXXX XXXX XXXX XXXX Transaction was done XX/XX/2023 but as of XX/XX/2023 @ XXXX, transaction is still pending. I have tried to reach out to them multiple times and have gotten the same answer currently in process, will take XXXX. They have also cancelled the transaction without my approval as of this morning when i followed up. 

I have attempted to talk to them multiple times but they have been very dismissive and rude. I hope this gets resolved soon. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian is reporting inaccurate information on my report. The following addresses are Non mailable XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XXXX XXXX mi 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 2021-09-24
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: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Harpeth Financial Services, LLC
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
The interest rate on this line of credit is 360 %. Way higher than the legal interest rate in the state of kansas. It is making it impossible to pay off my loan or keep up with my other Bill 's. After researching interest rates in my state I discovered this interest rate isnt legal. I attempted to contact them and havent gotten anywhere. I have made multiple biweekly payments since XX/XX/XXXX and I have gotten nowhere. I just 2ant to be done with this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
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:
On XX/XX/XXXX I sent Equifax a " Method of Verification '' request regarding the alleged bankruptcy they have on my credit report. 

On XX/XX/XXXX Equifax sent me the results of their supposed verification and claim they verified it as accurate from a third party source of XXXX. 

On XX/XX/XXXX I sent Equifax copies of a letter from XXXX stating the bankruptcy in question was deleted from my report. I also sent a copy of the XXXX consumer report public records section showing NO bankruptcy. I asked Equifax to delete this from my credit report as it was not properly verified as they claimed. 

On XX/XX/XXXX Equifax again sent me another letter stating they again verified this bankruptcy through XXXX. 

On XX/XX/XXXX I sent Equifax another follow up dispute again with the letter and consumer report from XXXX showing NO bankruptcy being reported, again I asked them to follow FCRA laws and DELETE this UN-VERIFIED bankruptcy. 

On XX/XX/XXXX Equifax sent me the same letter stating this bankruptcy was once again verified through XXXX, and also a letter stating they would not re-investigate this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received an email from American Ex Expeess saying I have been preapproved for the American Express gold card, offering me XXXX points as an introductory offer. Of course, when I applied, I was denied. I contacted them about this and they said pre-approved means that I still have to apply and can be rejected and that these offers are automatically generated. 

Having your credit report pulled for your application to be ultimately declined has a negative effect on your credit score. 

I also had to waste time, reading the email, reading and filling out the application, contacting asking about this, and then finally time used to fill out this report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: WELLS FARGO & COMPANY
State: TX
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 disputed this account several times with no follow up from Wells Fargo with verification. I sent Wells Fargo a letter regarding an account listed on my credit with a balance of {$4300.00}. They sent notice back that they were unable to locate the account they are reporting. I sent the notice to the credit bureaus for removal but they said Wells Fargo verified the account and will not remove. I would like a copy of the contract and verification documents provided to the credit bureaus. if unable to furnish please remove the account as it is not mine. I contacted my ex to see if he placed this account in my name and he said no. I have no records of this account and if he did place this account in my name I will need support docs to pursue him. XXXX advised they don't have a contract on file. But continue to report because Wells Fargovised not to remove. If this is not resolved I will file a FTC complaint next.

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 2022-09-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2018-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
hi, i paid my entire XXXX XXXX debt off three months ago. it was {$600.00}. i sent the copies of the money order to transunionin in XXXX, PA immediately following. 
XXXX XXXX only raised my credit 100 points. my credit is supposed to increase 200 points. 
i called XXXX XXXX and i dout they are going to do anything.

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 2022-09-08
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Truist bank froze my account pending my fraud claims to be resolved which have all been resolved in my favor and I still cant access my account I would like a new bank account and my money transferred to it or close my account and send me a check immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these reported items are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # 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 2022-09-08
Company: Experian Information Solutions 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:
CFPB + Experian, This complaint is in relation to a credit account this creditor XXXX XXXX  XXXX XXXX XXXX has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.

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 2022-09-08
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:
CFPB + TransUnion, This complaint is in relation to a credit account this creditor ( XXXX XXXX  XXXX has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.

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 2021-07-13
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Requested validation of debt several times for the company and they still have NOT provided it. Third time filing a complaint and nothing is being done. FCRA rules are not being followed. They sent me a generic copy of a bill. I asked for something showing my full name, full social security number, full date of birth, and original signature. I did not say anything about fraud. I asked to validate that the debt belongs to me. I have once again included a copy of my original validation request letter and certified mail receipt as well as the last letter sent to me from the company that still doesn't validate the debt in question. If the debt still isn't validated this time, I am well within my rights to contact an attorney. Everything is documented not only by mail but also by these complaints with the CFPB and the complaint with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: TX
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2021-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Bank of America repeatedly lied to me causing extreme XXXX  and complications with my health. Loan # XXXX. The original loan was apprx. XXXX K we paid XXXX K and they now want over {$110.00} XXXX they did not allow me to modify. I have an attachment

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 2018-04-17
Company: MAJR Financial Corp
State: OH
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:
NOTE : This is a CHALLENGE as I am NOT DISPUTING.

I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance.

The items attached are non-compliant as per the FCRA and CROA requirements!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX, I rented a XXXX XXXX XXXX and paid monthly, then quarterly payments in a sufficient timely manner ( auto pay from XXXX, then auto pay from online banking ). For some reason they had a hickup in colllecting and missed a month or two in " XXXX ''. When I caught up ( for around {$36.00} in payments ) they hit me with a {$900.00} late fee. I questioned and resolved shortly thereafter. Each time I renewed the lease on the machine, I asked, and they assured me, that my account is up to date, paid in full. So I continued with the rental program every few years until one day, in XX/XX/XXXX, they asked me to return the machine because I owed them money. I was surprised and confused. The people at XXXX said they terminated my contract and, my account was XXXX. I returned the machine and then a credit collection agency started hounding me for {$1200.00}. I never had this problem. This person XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) asked me to prove payments from XXXX and that she would resolve the account. I sent her the evidence and she then said my contract is owed through XXXX ( recall, I was forced to return the machine ). Threats are not something I am used. Her tone was abusive. She can ruin my credit and possibly place a judgement against me. THIS IS TANTAMOUNT TO CONSUMER FRAUD. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: PACIFIC WESTERN BANK
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX XXXX XXXX has a business checking account with Pacific Western ( 'PacWest '' ). On XX/XX/2022, PacWest was notified that check # XXXX, dated XX/XX/2022, amount {$470.00} payable to XXXX XXXX XXXX XXXX XXXX XXXX has been fraudulently cashed by PacWest. PacWest had issued {$7500.00} payable to XXXX XXXX. XXXX XXXX, management agent for XXXX, utilizes a number financial institutions and PacWest is the only bank where we have experienced multiple cases of fraud bringing into question the effectiveness of their monitoring procedures. XXXX XXXX ( XXXX ) XXXX of PacWest has stated in several emails that it general y takes 90 to 180 days to get restitution. That time has passed. XXXX XXXX ( XXXX ) was also contacted with no response. Several attempts have been made to get reimbursed with no success. At PacWest 's request, we enrolled in " Positive Pay '' a program provided by PacWest to reduce fraud. Although it is somewhat cumbersome, we do it as part of our fiduciary responsibility to combat fraud.

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