BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-28
Company: Experian Information Solutions Inc.
State: NY
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:
Ive been a XXXX  XXXX client for over 16 years opening my first credit card account with them in XX/XX/XXXX. In XXXX they reported a 30 day late payment on my credit report which severely damaged my credit score with false information. I had payed the minimum balance but the transaction was pending and not excepted until after the due date which is out of my control and not my fault, even XXXX  XXXX agreed and said that i was not at blame. Even so that they actually refunded me for the late fee i was charged because they said i was actually not late on the payment that it was an error. i attached files showing the late fee being charged in XXXX ( the month thats appearing as 30 days late on my credit report ) and proof of my payment to the company along with the refunded payment they sent me back for there mistake. I told them to also remove the late payment from my credit report but they refused and it has been on there since.

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 2019-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 need these accounts investigated due to my identity/ wallet being stolen months and years ago. The aftermath of this has destroyed my creditability with the credit reporting agencies. Now I'm requesting physical documentation to support the credit reporting agencies decisions in reporting these unauthorized and unknown accounts to me. In accordance to the FCRA laws I'm asking that these accounts be blocked. 

1 ) XXXX XXXX XXXX {$2.00} XXXX 2 ) XXXX  XXXX XXXX XXXX {$790.00} 3 ) XXXX XXXX 4 ) XXXX XXXX XXXXl 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX 7 )  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 2019-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts inwhich I'm disputing are not mines and deemed to be fraudulent and I'm demanding that they be removed immediately from my credit file. Please block these accounts, 1 ) US Dept of Education {$3500.00} 2 ) US Dept of Education {$5800.00} 3 ) Dept of ED/XXXX   {$4000.00} 4 ) Dept of ED/XXXX  {$3500.00}

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 2019-03-26
Company: Bread Financial 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The company I'm having a problem with is XXXX XXXX or XXXX XXXX XXXX. This company has caused me problems by, not removing a damaging credit report after receiving the necessary paper work to correct the issue. XXXX XXXX XXXX XXXX Bank has sent the corrections how ever XXXX '' XXXX nor XXXX XXXX XXXX  will correct this issue. 
Please help. 
My credit has been ruined as a result. 

" please do something, ask them questions ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: WELLS FARGO & COMPANY
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I had a mortgage loan with Wells Fargo. I just completed bankruptcy and it was discharged with no payments due in the spring of XX/XX/XXXX. Wells Fargo reported me delinquent by 120 days. They then sold this mortgage to XXXX XXXX who corrected their erroneous reporting, but Wells Fargo's erroneous reporting is still on my credit reports. This mortgage originated in XX/XX/XXXX and was modified by XXXX in XX/XX/XXXX. No payments were delinquent or late from XX/XX/XXXX to date.I have a second mortgage with Wells Fargo that originated with XXXX XXXX in XX/XX/XXXX. After the bankruptcy was discharged, Wells Fargo deleted that mortgage from my credit reports with the credit reporting bureaus. All payments for the mortgage were made on time during the 5 years of the bankruptcy and the year before when the bankruptcy had not yet been finalized (since XX/XX/XXXX).I sent a request to Wells Fargo three weeks ago to fix the situation. They then requested me to send them the same information I had already sent via the secure website. They then went on to add in their response that they had forwarded the information to the relevant department. The situation has not been resolved. Delaying a response is unacceptable.The reason we were in bankruptcy was that Wells Fargo denied a mortgage modification and then used their delay tactics to run up additional fees, interest, late payments, and attorney's fees.

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 2021-02-26
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:
I received my credit report from you. It included the following incorrect information it will also be posted in the documents section. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  2 accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And several addresses and hard inquries, they will be all highlighted in the report in the documents as well. These addresses are unknown to me XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX  XXXX XXXX XXXX My child support and doctor bills are showing up unpaid I will be posting receipts that they have been paid in full, I am enclosing a copy of my credit report with the incorrect data highlighted.I just received a letter from that creditor verifying that this information on my credit report is inaccurate and should be removed from my credit file. I have enclosed a copy of the letter, because I am a victim of identity theft its also multiple social security numbers on my account and my ex wife who I have been divorced from for over XXXX info as well and it shouldn't be.

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 2023-10-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I found multiple fraudulent accounts on credit, and they are reporting on credit and hurting my future financial journey.

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 2021-04-29
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper processed my regular payment on line as usual. The 10 days later they debited by checking account XXXX times for the exact same payment. XXXX total. 
I am told it is being corrected and I will incur no fees. Who gives them the right to randomly debit my account without authorization. Do you have an extra XXXX in your account?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Dave Operating, LLC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Ive never once made any suspicious activity with this bank and therefore they closed my account for no reason. My mom and dad would send me money from time to time always less than XXXX $ and Id put it on my Dave card for regular spending habits like gas or groceries. They closed my account without warning and refused to give a reason. I had funds in that account and I needed it for gas to get to work. They offered no opportunity for me to remove my funds prior to them randomly closing it either. After doing research I found that they were apart of a massive data breach while I was a member so my information got out there and they never even told me, and people whove never even heard of them have been charged for hundreds of dollars they didnt authorize. This place is obviously a scam and I wish I knew sooner. They need to be shut down immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Citibank XXXX XXXX Master card charged me interest for standard purchases even though I paid the full amount. I contacted Citibank customer service and they can not explain why I was charged the interest charge and refused to reverse the charge. The interest amount charged was {$56.00} on XXXX XXXX, 2021. 

My credit card was recently used fraudulently for 2 purchases in XXXX. I immediately notified Citibank fraud investigation. Citibank canceled my existing card number and issued a new card to me. However, Citibank keeps on insisting that I provide receipts for these 2 fraudulent purchases. I have made 6 separate phone calls to Citibank customer service explaining that these are fraudulent charges and I do not have any information or records of these purchases. Citibank still refuses to credit me for these 2 fraudulent charges.

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 2023-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 recently check my credit report and found out there is charge off from Capital one, XXXX XXXX and XXXX XXXX. I never opened these accounts, it looks like someone used my informations to open these accounts. 
Please remove these items from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX has had a collection of debt notice for me not returning faulty equipment for about 6 years now. I had a XXXX account in 2017. I moved and advised that the equipment stopped working and I had to work from home in my new home so I needed to go with a new provider and I could no longer receive their services in my area and they charged me for the equipment and billing that I did not use. The amount was {$210.00}. They reported this false collection to my credit holders. For 6 years they have been changing debt collection companies and reporting as new debtors to XXXX, XXXX, etc. They never originally told me that I owed anything and the XXXX time XXXX did call I told them i couldnt gain access to the broken equipment because I had to move urgently ( XXXX  XXXX situation ). They never said I would owe a debt or sent mailings to my new address so I never received any proper notice or precise instruction of handling anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: ENOVA INTERNATIONAL, INC.
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:
There is a inquiry that I do not know about on XX/XX/2023 I never applied for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX I was in the process of acquiring my three annual free credit reports, I received two without issue, however, " Transunion '' is unable to provide me with a report and contact with Transunion is extremely difficult unless you're purchasing a product. During the process of verifying my information, I was being asked questions that were not pertinent to me, for example, one question indicated someone who has a mortgage or lives with me in XXXX, TX and indicates my wife 's name, I divorced her in XXXX and I sold that house somewhere around XXXX or XXXX, I checked " none of the above '', this they were asked about phone numbers and zip codes that I've never had. Every time I would get a message stating they are unable to verify who I am. I've had issues with Transunion in the past and filed a complaint, they are the most deceptive when ordering products and now the information the are requesting is not even remotely pertinent to my circumstances, this issue is of concern, if they cant get this right what else incorrect? All I want is my free credit report as dictated by law, I have the ability to verify my identity when asked questions currently or otherwise in the couple of years associated with my circumstances, furthermore, when selecting the link from the email sent to me, all it say is site not available, calling them is futile and getting through is difficult unless your purchasing a product.

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 2021-08-11
Company: GOLDMAN SACHS BANK USA
State: PA
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:
Changed my phone number on the account, which forced a lock. Been trying to contact the credit card company and every time they say it is under review and I would receive a call from them, but I am yet to hear back in 2 months, every time I call they say they can not help since the verification call has to be an outbound call. Atrocious considering I can not access any of my account information, can not pay my bill without having to call in, all active subscriptions are on hold, and I cAn not use my account for any purpose. All I need is to verify my phone number, how hard can that be? 

Phone no in question : XXXX ( they need this to pull the acc info )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26
Company: Southwest Credit Systems, L.P.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Southwest Credit Systems XXXX XXXX XXXX XXXX, TX XXXX Southwest Credit Systems ( SCS ) of XXXX, Texas sent a letter to Mr. XXXX XXXX alleging a debt owed from XXXX XXXX. Mr. XXXX has communicated with XXXX regarding this debt and demanded proof of the debt including a an agreement with Mr. XXXX 's signature. XXXX has failed to provide such document because they do not exist. SCS, acting on behalf of XXXX or as a purchaser of the debt or has sent notice to Mr. XXXX regarding the debt. Mr. XXXX has always has and continues to deny the validity of the debt. Upon communication with SCS, SCS representatives have advised Mr. XXXX to either file suit in U.S. District Court for the XXXX District of Tennessee, file complaint with the Consumer Financial Protection Bureau, and the U.S. Department of Justice. Prior to taking further action, Mr. XXXX demands that SCS cease and desist from any collection, credit reporting, or other practices that involve Mr. XXXX. Mr. XXXX also demands that SCS produce the following : Validation that SCS is the furnisher of the debt. 
Signed documents with Mr. XXXX 's signature exhibiting any agreement with SCS.

Any legal agreement allowing SCS to collect a debt from Mr. XXXX Should SCS fail to provide such requested documents, Mr. XXXX demands that XXXX remove his information from their systems immediately. Furthermore, Mr. XXXX demands that SCS cease and desist from such practices that violate the Fair Debt Collection Practices Act ( FDCPA ) as SCS has perpetuated the collection of an unfair and illegal debt and attempted to collect monetary amounts that are not contractually legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I opened sears credit card on XX/XX/XXXX and was given a credit limit of XXXX.On XX/XX/XXXX, sears reduced my limit from XXXX to XXXX without any warning and no good reason.My credit score was under 600 when I applied and I do have a bankruptcy on my credit file currently and when I applied for credit.Because of this reduction in credit, It has hurt my credit score and credit overall.When I received the letter from sears it states under PLEASE NOTE '' the reporting agency played no part in our decision and is unable to supply the specific reasons why we have reduced your credit limit '' .Prior to this letter and in XX/XX/XXXX, I disputed a sears auto charge regarding some work they did on my vehicle that wasn't needed.I was reimbursed by sears for the charge after a long dispute and letters with sears credit.This has hurt my credit score and my credit overall.

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair or remove these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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