BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I 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 30 days a reason to immediately remove those items from my credit report with 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 XXXX  data breach and may have got into the hands of the wrong person.

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 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received written correspondence from XXXX that their company have purchased an account that's allegedly associated with my name. The date on the receipt of the letter is marked XX/XX/XXXX. According to the FDCPA I have 30 days to dispute the validity of the debt. I recently checked my credit report and noticed that this account is currently being published on it without proper validation. I also noticed that the alleged amount owed in the letter is different than what's on my credit report. This unverified and inaccurate account is drastically affecting my credit worthiness and stopping me from receiving funding during this pandemic.

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 2021-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I respectfully request CFPB enforce ethical protocol for Capital One reward me the {$200.00} cashback credit card that I opened on XX/XX/2021. Capital One letter of XX/XX/2021 stated multiple incorrect statements. 
XXXX. Upon me applying for the XXXX XXXX  credit card there was no disclosure information provided to me. 
b. No one contacted me from Capital One by phone on the credit card change. 
c. I did not give authorization for the credit card change by Capital One. 
d, I had excellent credit card rating when I applied for the XXXX card that met the XXXX card requirement. 
e. I had an unused GM/CapitalOne credit card that no longer has XXXX XXXX as a sponsor for points rewards plus, Capital One kept taking away points regularly from the account. This card was not used for about 7 years. So I applied for a Capital One XXXX XXXX card. 
f. I have known of other Capital One customers that had several Capital One credit cards and they have the cash back cards too. I feel discriminated. Capital One needs to provide a customer list with all of the cards that a customer holds to CFPB. 
g. Capital One letter had no contact name. How do you respond to an ongoing complaint instead starting over with a new contact at Capital One? 
h. I feel Capital One did not read my letter for the details so they just replied with a standard form letter. 

I don't ask CFPB for legal action, I ask CFPB to enforce ethical and professional standards. I'm sure other Capital One customers have faced the same issue. 

Please have Capital One send my {$200.00} cash back to me. No more games. Treat customers with respect and like they want them as customers. 

Thank you CFPB XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: WELLS FARGO & COMPANY
State: IN
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:
In accordance with the Fair Credit Report Act XXXX, Account Number : XXXX From Wells Fargo has violated my rights.

15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2020-10-22
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: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I sent out letters to the creditors that's on my credit report requesting debt validation. To this day they have failed to to so. These erroneous allegations have severely impacted my credit scores and my mental health as I am constantly being denied credit because of this. 

I've also sent letters to the bureaus disputing the false reporting and nothing has been done. 

I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items 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
Consumer complaint received 2017-08-07
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On X/X/17 I called National Credit Systems and spoke with a XXXX XXXX. I made payment of {$250.00} to close the account. On X/X/17 I received notification in the mail from National Credit Systems , Inc. dated XXXX/XXXX/XXXX that NCS had been authorized to accept a payment of 50 % of the balance owed to close the account. This information was not provided to me by XXXX XXXX and she did not offer the 50 % reduction despite the offer being dated X/XX/17. I called XXXX on X/X/17 and spoke with XXXX, Collections Supervisor, asking that the a refund be issued for the difference. He declined the request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: EQUIFAX, INC.
State: WI
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 not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
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: Information belongs to someone else

Complaint:
To whom it may concern : My name is XXXX XXXX and I am writing to complain on TransUnion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 
The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

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 2019-06-03
Company: AFNI INC.
State: OK
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:
afni renewed a collection from XX/XX/XXXX that had fallen off of my credit report in XX/XX/XXXX, but somehow through them it magically reappeared in XX/XX/XXXX. I contacted them to remove it but they refused to remove it from my credit report and I am very upset

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: DISCOVER BANK
State: IA
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:
Please update the personal information on the account ending in XXXX. The name is spelled incorrectly I have provided supporting documentation to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have requested several times to REMOVE, REMOVE my credit freeze from my file. I am looking to buy a car and they can pull my file because of the block on my file please remove it at once!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
There are negative accounts that is well pass 13 years that should be off my report. I have made several attempts to have these removed. And they still refuse. the other two agencies have been deleted them. 

I tried to call again today to dispute and all I got a recording for a " freeze '' or a report. Unable to link with a live agent. 

Experian has the worst reporting and services. 

They need to remove all old accounts for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

: Accurate negative details can stay on your credit report for up to seven years ''. Those account are way pass the time limit.

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 2020-11-05
Company: GLA Collection Company, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reported GLA Collections on multiple occasions to the consumer finance site. I have also reached out to GLA on multiple occasions throughout several years regarding the said debts below. Each time GLA does not provide evidence that the said debts are mine and they remove the debts from my credit reports. Then a few months later they put the debts back on my credit report. They refuse to provide proof that the said debt is mine with itemized statements of the said accounts. I have called both alleged medical providers regarding this said debt and both medical providers state I have no balance on file with their offices. They also harass me repeatedly with multiple phone calls. 

Said Debt # 1 - XXXX XXXX  {$220.00} Said Debt # 2 - XXXX XXXX {$110.00} I would like immediate action to remove these debts from my file permanently and I would like to seek information on how to file legal action against GLA. They continue to negatively impact my credit by falsifying information and refuse to provide any proof of the said debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX  XXXX XXXX with ACCT # XXXX   opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-11-17
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was a victim of identity theft about a year ago. I set up account with all credit agencies, including email/password accounts ( strong password stored in password manager ). 

I went to sign in to my Experian account and it isn't accepting my username and password. 
I go to password reset and it says it sent a reset email to an email that is not me. 
It seems clear someone has gained access to my account and changed the contact email. 

I've called every phone number i can find on their website. I can't get through the menus to talk to someone about this. There appears to be no mechanism to get this fixed. Meanwhile, someone has access to my crediit report and was able to acquire it by taking over my Experian account.

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 2020-07-27
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
On XX/XX/2020 I made wire transfer to XXXX XXXX XXXX XXXX to XXXX XXXX in the amount of {$5000.00}. When I called XXXX to confirm transfer was received only to find out money was not received, I called Wells Fargo spoke to rep who told it will probably take a couple of days for my transfer to be completed. On XX/XX/2020 I called XXXX rep and was told they had not yet received the money, I then called Wells Fargo and was told the same thing I was told the first time I called. I was so upset since the money was nowhere to be found. I had to XXXX XXXX another {$5000.00} for the merchandise I needed to purchase. I am now negative {$5000.00} in my account because of this issue. I've been calling 3 times per day to find out about my money. As time passed by I became very frustrated and called Wells Fargo to ask to speak to their manager spoke to someone by the name of XXXX who said she would open a claim to investigate the whereabouts of the money. She also told me the account number which the money was sent to had an extra " XXXX '' in it and were not sure where it was at, they have requested XXXXXXXX XXXX  to refund me my money but have not yet heard back from them due to Covid-19 they are experiencing delays. Wells Fargo has taken to long to resolve 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 monetary relief
Consumer complaint received 2020-07-27
Company: EQUIFAX, 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:
Upon receipt of my recent credit reports from XXXX, Equifax, and XXXX, Its apparent there still exist a Fraudulent account I discovered that was opened at XXXX XXXX ( acct # XXXX ) without my knowledge or authorization being reported negatively. This Account was opened as a result of identity theft/identity fraud. Ive subsequently filed a local identity theft police report and Federal trade Commission complaint regarding this matter. Ive properly notified Representatives at XXXXXXXX XXXX of this matter and have opened a Dispute requesting that they immediately close this Fraudulent account and to STOP the reporting of this INACCURATE, FRAUDULENT INFORMATION from my XXXX, XXXX, and Equifax Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
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: Investigation took more than 30 days

Complaint:
I disputed several inaccuracies on my credit reports for Equifax, XXXX and XXXX  and have not heard back from them in over 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
After graduating XXXX XXXX in XXXX 2017, I submitted a request for an income-driven repayment plan with my prior loan servicer ( XXXX ) which was approved with a payment of {$0.00}. When I began my residency in XX/XX/XXXX, I applied for PSLF as I would be working for a XXXX XXXX. I was accepted at that time but switched to a different loan servicer, XXXX. I then received notice that I would need to begin paying back loans on the standard repayment plan. After spending much time on the phone, I was told that I would need to reapply with the same form for an IDR plan again. Their explanation was that my prior servicer did not forward that information to them. Some time later, I receive notice that I was rejected for IDR plan since I did not supply my spouse 's income information. I do not have a spouse. Again, after another phone call during work hours in my XXXX XXXX, I was able to correct this information and get approved. I received an email confirming my enrollment in an IDR. However, this IDR would not go into place until at least 1 month after my grace period ended. Somehow, even after submitting my income information, I received a bill for over {$2000.00} to be paid one time before my IDR would begin. XXXX 's explanation is that their bills are made 28 days prior to due date. So, because of their error, I was forced use forbearance and capitalize my loans once again. I am actually calling XXXX right now to correct the type of IDR they have given me. This experience is not unique. At least 4 other residents in my program have had the exact same experience. It is unacceptable that it takes 6 months or more to correct this issue. Working people do not often have the luxury to make this many phone calls. I also believe more interest is accruing as a result of these practices and errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
State: NC
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:
Experian allows one to initiate a dispute on their website or by phone. Their default delivery method for dispute results is electronic. However, there is a technical problem on their website which has existed for 6 months or more that prevents the user from viewing dispute results. And once results have been designated for electronic delivery, telephone agents can not provide dispute results and they can not change it to paper mail delivery. 

More detail : After a dispute is completed, Experian sends an email saying " Your dispute results are ready '' and a button in the email labeled " View Results ''. When you click that button, you are prompted to log in to Experian 's website, and you are routed to a page called Alerts, which is similar to a message inbox. In this Inbox, there is a message that says " Your dispute results are ready '' and it has a blue button labeled " See your dispute results ''. Clicking this button does not work. No window pops up. No page opens. It doesn't work on Windows PCs, or Mac, or iPhone. It does not work in Safari, Chrome, or Firefox browsers. It has *never* worked and Experian offers no technical support for the website. They refuse to take any complaints about technical problems on the website.

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