BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity has been stolen. While I was trying to purchase my first home through a first tie homeowners program I was told when they pulled credit that there was no way I could become a homeowner with all the derogatory items on my accounts please remove them from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSEDXXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2019-05-20
Company: EQUIFAX, INC.
State: AL
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 called EQUIFAX after i GOT a alert to check my XXXX..for NEGATIVE remarks..once i logged in i found that every single account with EQUIFAX was being disputed..i had requested on line ABOUT a week or to ago..to dispute 2 items..1 was with XXXX XXXX & the other with XXXX XXXX XXXXXXXX..1 WAS ON THE PHONE WITH 2 DIFFERENT REPRESENTATIVES AND THEN I ASK FOR THE MANAGER OR  SUPERVISOR.. 
I EXPLAINED THAT SOME ONE SOME HOW ON THIER END MADE A ERROR ON MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CREDIT CARD ... ALL THESE ACCOUNTS ARE MY ACCOUNT AND WAS NOT DISPUTED BY ME..I EXPLAIN THAT THESE ARE MY CREDITORS. THESE ACCOUNTS OR OPEN AND IN GOODSTANDING.. 
BUT THE SUPERVISOR INSISTED THAT SHE SEEN WHERE I WENT ON LINE ON THE XX/XX/2019 AND DISPUTED EVERYTHING ON MY EQUIFAX REPORT AFTER ABOUT A HOUR AND 1/2 I TOLD THE FEMALE I WAS SPEAKING TO THAT THEY WOULD BE HEARING FROM ME AGAIN ... WHY IN THE WORLD WOULD I DISPUTE MY ENTIRE EQUIFAX CREDIT REPORT IT DIDNT MAKE SINCE. 
IF I FILLED THESE DISPUTES ON THE XX/XX/2019 WHY IM I SEEING RESULTS ON XXXX..SOMEONE PLEASE HELP ME IVE HAD ENOUGH OF EQUIFAX AND THIER ERRORS ON MY CREDIT REPORT!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
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:
Disputed an account twice with TransUnion and XXXX XXXX XXXX XXXX to correct inaccurate account information. TransUnion responded back to both disputes stating the account is " accurate '' as it and it will be staying on my credit file. My previous auto account with XXXX XXXX XXXX XXXX is closed as of XX/XX/2019 and has a {$0.00} balance. This account is NOT an accurate reflection of the accounts ' true status which is a perfect payment history, paid in full and closed as of XX/XX/2019.

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 2019-05-20
Company: Credit Karma, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I know nothing about the debt being charged against me, I only came to know about it when my credit score went down and I checked with credit karma to see what had affected my credit score. I  discovered a case of debt collection of $ XXXX.This is a fraudulent charge because I have never had any dealings with this company, nor have I ever heard of them. There has never been any communication, verbal, written or otherwise between any companyand myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: SYNCHRONY FINANCIAL
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I cancelled my account with XXXX for XXXX XX/XX/XXXX and get billed anyway via Paypal. The site was not working to submit a fraud claim. Chat reps would not help because they said they were untrained. I contacted XXXX to cancel and still get billed I called the XXXX # I am undergoing XXXX XXXX tests and Paypal 's rep told me they do not help XXXX like me and XXXX  XXXX XXXX and if I reported him -- I will pay. I get my refund from XXXX and money for the harassment by this rep or I sue your company for discrimination under the ADA I want no more charges from 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 2018-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
first the car dealership had added my name on to this loan without my permission only for my daughter to find out after filing chapter XXXX bankruptcy where the debt was reorganized and corrected to now reflect on her name on lt, and the company made a promise to correct this to not reflect on my name as the rightful owner made all of the required payments for the past year, well upon calling emailing and disputing this invalid debt is still showing up on my credit report when it should only be on my daughters report which she has called them and confirmed this on several occasions and was promised that the problem will be fixed and the reporting will be corrected

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 2019-05-20
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 am a victim of identity fraud. There are 2 credit cards that I have not open or used.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Midwest Recovery Systems
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Field a dispute around XX/2017 about a collection that is not mines company said it was mines and that it 's going to stay on my credit report I disputed this collection with XXXX and removed it but they will not removed from my XXXX.I would like to have this collection removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed all together about XXXX $ in medical debt ( about 4 accounts all together ) one account in paticular ( the only one im complaining about ) they served me paperwork stating i owed XXXX $ i called debt collector CLARK COUNTY COLLECTION SERVICES ( XXXX ) who told me i ACTUALLY owed XXXX ( In a very ''matter of fact '' voice ) and informed them that i would pay it before the court date. I paid the debt in full on XX/XX/XXXX ( XXXX ) and thought it was done and over with and i emailed the ATTY that was retained for the case and he confrimed the account was paid in full ( i can provide documentation for all ) ( i do not recall the date of service however but i have the ppwk at home ) The collection agency is now calling me after all accounts were paid stating i owe an additional XXXX $ ( the cost to serve me ) however the XXXX i was told by XXXX ( allegedly all calls are recorded ) included interest as well as legal fees and that is why the cost was so much ( i was rather confused why they would seek a judgment for XXXX $ if they stated i owed XXXX. I am very frustrated and feel that i am being wronged and that they have no problem making up charges as they go so i am going to speculate this is common practice for them. It is now XX/XX/XXXX and i am still dealing with this. I am no lawyer but commons sense tells me its probably somehow ILLEGAL to just make up charges- This is definately deliberate and not an accounting error otherwise i would not still be getting calls everyday to pay the XXXX $ which is a slap in the face to me after all of this. Not to mention after it was all paid i NEVER was sent a letter stating i owed any other additional funds before i started getting calls over and over agian. I will not be paying this XXXX . It is riduculous that the burden of proof is on me the consumer to dispute these debts when they can just make up charges as they go. Something is seriosly wrong here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was checking my credit report and I saw that my score is low. I'm shocked. I don't understand why you put this information on my account. I believe someone used my personal information and applied for this. Now I cant even apply for credit card because of these information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am not disputing the XXXX XXXX # XXXX account please remove the verbiage listed " disputing ''

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 2017-11-28
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased my home through U. S Bank three years ago. I have never been late on my mortgage. My income dropped quite a bit which is causing me to struggle to pay my mortgage. I had a couple of charitable organizations help me, therefore my mortgage is still current. 
I asked U. S Bank for Loss Mitigation help or a modification. They are just giving me the runaround. First they said they were processing it, then they stated that they ca n't help me because my mortgage is current and must be behind at least three months past due. 
That is ridiculous and sound like they are just blowing me off. Please help 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 2021-10-11
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX I received two emails from Wells Fargo stating I had a $ XXXX balance in two accounts ( savings and checking ). A call was made and it was determined the accounts had been fraudulently opened just the day before ( XX/XX/XXXX ). A case was created. 

Coincidentally on XX/XX/XXXX a PIN number was created with the XXXX XXXX XXXX for unemployment benefits. 
( Note : in XXXX I did have benefits automatically submitted to an account at Wells Fargo ). 

Coincidentally in XX/XX/XXXX I was working feverishly with Wells Fargo to get an existing Roth IRA converted, which required a lot of paperwork that they should have already had. 

Wells Fargo never reached out to me after the initial call on XX/XX/XXXX. I made many phone calls and visited my local branch. ( The phone calls offered no relief. The visit is when I learned the fraud was committed on online. ) During a call on XX/XX/XXXX the Wells Fargo Identify Theft Operations member told me my social security number was used on the online application. He would not supply me with a copy of the application. Also during this call those two accounts were erased from my view online. On or about XX/XX/XXXX, I get a letter dated XXXX ( coincident? ) that the identify theft claim is complete and I am not liable... period. That useless letter took 6 weeks and an abundance of stress. 

I have submitted claims to many organizations including the XXXX, but have received no feedback. I am not out of any funds thank goodness, but the lack of interest at Wells Fargo is not acceptable. Personally I don't think the above is really a coincidence. All 3 credit bureaus have been contacted and I have not seen any other suspicious activity.

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 2021-08-05
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 information incorrect

Complaint:
I have attached two accounts that are reporting incorrect information on my credit bureaus, per the FCRA they have to report accurate information which they are not. Please delete these two accounts from my credit bureau.

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 2022-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Capital one Reporting negative information on my credit report never late never charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I made a payment on XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX. The payment was mis-routed and was never applied to my school loan serviced by Navient. I've called no less than 8 times and every time was given different information on when my payment would be applied to my account. 

I called in with a representative from my bank to confirm payment was sent and was told by the Navient rep that my payment would be routed to my account in 8 business days, after those 8 days I called again for an update as my account was stilled labeled as past due. I was then told that the entire process takes a total of 14 business days and that I would need to call back in another 8 business days - that  math doesn't add up, I know. 

I called again after my account is still labeled as past due and affecting my credit, and was told that for the payment to actually be applied to my account it would take several weeks. Never have I been given a consistent answer from their customer service representatives. 

My bank can not process a refund for me either, because of how their XXXX  is set up. They claim it is in Navient 's hands now to find and reroute my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: T.S. Holdings
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On today, XX/XX/XXXX of XXXX I received a call from a lady named XXXX who works with a debt collection company called IQ data. 

I spoke with XXXX at links, as she told me that she had a collection in her possession from the XXXXXXXX XXXX. I lived at the XXXX from XX/XX/XXXX until XX/XX/XXXX, my lease ended on XX/XX/XXXX of XXXX and I paid all of my rent for the entire lease. In fact, I over paid by {$1400.00}. 

I offered to send XXXX correspondence between me and the manager, XXXX, at the XXXX proving that I did not owe any money at all. She refused to allow me to send the correspondence proving that I do not owe the debt. She also refused to give me her contact information. 

This point I called back and I spoke to a lady named XXXX who also refused to give me an email where I could forward the conversation between me and the XXXX She transferred me back to the lady named XXXX who gave me a fax number where I could fax proof that I do not owe the debt, but they would not except the correspondence from me because I have an attorney hired who handles my credit issues. 

After contacting them and letting them know the issue that I am having, they are sending correspondence to her and they advised me to contact you and let them know. 

The name of the company is IQ data. The fax number is XXXX I do not have any information regarding this debt because they refused to give me any information including a reference number or any way for me to identify the debt. She would not even tell me the full amount of the debt only that it was around {$3000.00} They also refused to send proof of the debt I was told that they were not legally obligated to send proof that I owed the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18
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: Account status incorrect

Complaint:
In XXXX 2019, I had a late payment on my XXXX XXXXXXXX XXXX XXXXXXXX. The company agreed to remove the late payment and have updated this information twice with the credit bureaus but they are continuing to add the late payment back once it is removed. I would like this issue resolved once and for all.

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 2018-09-07
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have two Discover Cards # XXXX and # XXXX and am a long time customer. 

The interest rate on purchases on card # XXXX was lower than my card # XXXX. 

Today I noticed that my card # XXXX which has a bigger balance has a purchase APR 13.24 %. My other card # XXXX has a much lower interest rate of 11.74 %. This is a whole 1.5 % higher on card # XXXX. 

I am really not sure when this occurred and why. In the same financial climate, my card which was an older card ( # XXXX ) now has a Purchase APR of 1.5 % more than my newer card # XXXX. 

I am unnecessarily paying more interest charges and being compelled to do a 3 % Balance transfer of the balance from one card to the other card and Discover has found an excellent way without notifying me of inducing Default. 

I raised the issue with Discover but they refuse to budge. They say they can't do anything about it because my Purchase APR rates are variable. I am not sure when these APR increments took place, by how much and how frequently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Countrywide office of the President CEO XXXX XXXX sent correspondence of an internal incident, how it affected me, the FBI arrest of the individual and what should do to protect my vested interest. Ultimately, fifteen years and nine months later we lost our home and countless dollars, defamation of character and destroyed credit worthiness, and unable to recover from this tragedy caused by my home loan trusted servicer. Because this mortgage lender and it gaining parties and past through certificate lenders did not honor my loan agreement in safeguarding our contractural agreement of protecting my rights as the consumer. Consequently I need your assistance.

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 2017-11-29
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX purchased junk debts - Debts were discharged in Bankruptcy 2011 They have reached Accounts - Changed dates Inflated amounts They refuse to correct

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I disputed this account with the company due to identity theft and they failed to provide proof that the account belonged to me and failed to removed it from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: NV
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation