BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-07
Company: Butte County Credit Bureau
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert from XXXX credit monitoring informing me that Butte County Credit Bureau placed a new account on my credit report. I found their contact info via XXXX search and called them. The customer service agent told me I have an account with XXXX XXXX XXXX for {$190.00} from XX/XX/2019 and that the account had actually been placed on my credit report in XX/XX/XXXX. Through a confirmation of my mailing address, we discovered that Butte County Credit Bureau has the wrong mailing address for me. Due to the fairly low amount, instead of disputing an account I don't recognize and did not receive notification about, I offered to pay the {$190.00} if they either removed the inaccurate information of late payments which were caused by their mistakes, or totally removed from my credit report. The customer service agent told it is not their policy to correct or remove information from credit reports. I contacted XXXX XXXX XXXX XXXX Department, who told me it is not against XXXX 's policy to remove inaccurate information from credit reports but that removing the inaccurate information would have to be done by Butte County Credit Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
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:
Someone open a XXXX XXXX XXXX account without my permission. I did not open or authorize this account, and I therefore request that it be REMOVED immediately. I am requesting that the items be blocked to correct my credit report. I also request that you absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

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 2023-04-05
Company: Experian Information Solutions Inc.
State: MD
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2021-09-16
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I requested an investigation regarding inaccurate/erroneous items on my Experian credit file that were being reported illegally. I attached a copy of my credit report, I circled the disputed items that I needed deleted. I also included copies of my social security card, drivers license, utility bill to confirm my identity and the reasons why these items should be deleted. On XX/XX/2021, nearly two months after my initial communication with Experian regarding my disputes, which had not yet contacted me ; I decided to visit the CFPB website for help, I then submitted disputes with the CFPB. The Fair Credit Reporting Act states that the consumer reporting agencies have 30 days to complete a relevant non frivolous dispute, in some instances consumer reporting agencies have an additional 15 days to investigate. From XX/XX/2021, to present day over four months since my initial complaint, Experian has violated my consumer rights by failing to complete the investigations of these accounts listed below. 

XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # 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 2017-12-12
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
Dear company on XXXX XXXX, 2017 I noticed that a recent inquiry from your company was placed on my credit file. I received several alerts in my email showing me the inquiries and what companies. I am unaware of the inquiries and I am now working with an investigator to assure nothing more occurred during the inquiries that would cause me and my credit more problems. Seems like this has happened in the past due to a credit breach and fraud. I dont know if this was a mistake or an error this is very frustrating for me and I am in distress because Im not sure of where these inquiries came from but my job is to make sure that this wasnt an inside job with your company, and the credit bureaus. I am leaning towards taking legal actions on your company, the credit bureaus and whoever is involved with this matter. I have contacted the FTC, the attorney general office located in XXXX XXXX also be aware that you will receive legal documents pertaining this matter soon. I have attached a letter to the file, please read the letter. I am in the process of getting ready to purchase a home by the end of this month and I am XXXX something like this occurred at this time. Sincerely 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 2023-01-25
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citibank wrongfully closed my checking account that was in good standing, on XX/XX/2023 with a balance of approximately {$6200.00}, for no reason. We spoke to many representatives from Citibank, both in the branch and at the numerous phone numbers each Citibank representative provided, and no one knows why the account was closed. Aside from that, this checking account is my sole account and the only income I receive is from my monthly social security benefits that get direct deposited to this account, which I will not receive as a result of this account being wrongfully closed. Aside from this, my Citi credit card that is scheduled for bill pay at the end of the month will not be paid and this will impact my credit. In addition, Citibank didn't even send one letter, email, or even make one phone call to me notifying me that the account will be closed

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 2019-05-06
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
On the XX/XX/2019, I executed 2 transfer ( s ) on the Transferwise platform under transaction ID : XXXX and XXXX for a total amount of US {$6000.00} where I was looking to sell those US $ to buy Euros and Sterling GBP. This was executed on the usual XXXX XXXX XXXX XXXX ( XXXX ) Account of Transferwise as I have been doing over the past 6 months On the XX/XX/2019, after Transferwise and XXXX received those US {$6000.00}, I received a notification from Transferwise that the transaction was cancelled as the bank account details was not accurate. Transferwise advised that the transaction was being cancelled and that I will receive the refunds within 2-5 business days On theXX/XX/2019, Transferwise advised that the transaction was cancelled because of a change of license and hence had a new bank account for non-US based US $ transaction. This change of license was never communicated and was not explained on the platform when executing the transaction On the XX/XX/2019 after multiple phone calls to Transferwise and several e-mails Transferwise sent a document arguing that this was a proof of cancellation and return of fund. This document was shown to XXXX XXXX XXXX with all details. XXXX advised that they never received any communication from XXXX that these wire transfers were cancelled. Typically for bank to bank transfer a swift message is sent so the other party bank can take appropriate action On the XX/XX/2019, after 11 days ( 7 working days ), no money has been received on my bank account. I have been spending more than 10 days with no idea where are my US {$6000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: Lockhart, Morris & Montgomery Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty pf perjury ( under the laws of the UNITED STATES, if executed outside of the UNITED STATES ) that the foregoing is true & correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL & STATE LAW to file this dispute. I also understand that knowing & willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001 Additionally these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods services, or money & was successful in creating some accounts. All. is being investigated by the FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: SYNCHRONY FINANCIAL
State: PA
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:
Hello, My credit crad limit was decreased. It hurt my credit tremendously. I went into the store one day to use it and my limit was lowered.

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 2020-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: GUARANTEED RATE INC.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Hello. I am a XXXX XXXX XXXXXXXX and my concern relates to Dodd Frank compliance. I recently have begun working as a XXXXXXXX XXXX for a company that is paying fees that are less than half of what is typical for the service areas around XXXX. I have discovered that several of my past lender clients are now ordering appraisals through this company, and are paying the same fees as those I would normally collect. I am a new hire with this company and I don't know how long I can accept this, as it seems wrong. 

I wanted to know if this is in violation of law, and if there is any means of recourse. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
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:
There has been several incidents that occurred which I neglected to investigate until the past year. Someone broke into the mailboxes at my last place of residents and my car also was broken into. I did not think anything of it at the time until I checked my credit report. 

I have since moved from that residence but the damage had already been done. After checking my credit about a year ago, I noticed a few things that did not belong to me. It has since escalated into several derogatory accounts. 

I contacted the credit bureaus about a 6 months ago to dispute these errors. A few things were removed but the majority are still reporting. Feeling frustrated, started I stumbled into some solid information on how to deal with this situation. I have since filed a dispute with the FTC and sent additional letters to the credit bureaus on 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 non-monetary relief
Consumer complaint received 2022-12-14
Company: WELLS FARGO & COMPANY
State: MI
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 balance transfer

Complaint:
On XX/XX/2022 Wells Fargo made a {$11000.00} payment to XXXXXXXX XXXX  to transfer the balance. Wells Fargo then again on XX/XX/2022 mistakenly and without my authorization or request made a second payment of {$10000.00}. This caused an overage of payment and a credit balance with XXXX, but also created a situation where I am now {$10000.00} over my " credit limit ''. Wells Fargo is charging me two transfer fees and over-the-limit fees. This was 100 % their mistake. I called after my card was declined and Wells Fargo said I have to work out the refund with XXXX! I was told I had to call XXXX  and request a refund and then pay them back. The credit card company who made the payment should be able to work directly with the credit card company who received the over-payment. I as the consumer should not be harmed by this mistake either with fees, penalties or poor credit reporting. I have no control over what CC companies pays another and yet the solution had landed squarely in my lap to " fix '' this mess.

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 2019-05-06
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: Information belongs to someone else

Complaint:
There has been several incidents that occurred which I neglected to investigate until the past year. Someone broke into the mailboxes at my last place of residents and my car also was broken into. I did not think anything of it at the time until I checked my credit report. 

I have since moved from that residence but the damage had already been done. After checking my credit about a year ago, I noticed a few things that did not belong to me. It has since escalated into several derogatory accounts. 

I contacted the credit bureaus about a 6 months ago to dispute these errors. A few things were removed but the majority are still reporting. Feeling frustrated, started I stumbled into some solid information on how to deal with this situation. I have since filed a dispute with the FTC and sent additional letters to the credit bureaus on 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 2023-02-10
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian credit reporting agency has not corrected the information on my file. They have names that show that they are not my correct names and never have been. also have incorrect work employment information. 

I want it corrected. The following information is Incorrect and needs to be deleted XXXX. XXXX XXXX XXXX XXXX XXXX DELET PLEASE NEVER BEEN MY NAME XXXX XXXX XXXX DELET PLEASE NEVER BEEN MY NAME XXXXXXXX XXXX XXXXy- DELET PLEASE NEVER BEEN MY NAME XXXXXXXX XXXX- not my employment XXXX XXXX XXXX XXXX - not my employment

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 2019-05-06
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
id theft new inquiry XXXX mortgage 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 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
These public records were not reported t

o the Credit Bureaus as stated in the attached letters from the Federal Courts that housed the case ( s ) in question. I have sent NUMEROUS letters to the bureau
s requesting their removal with provided documentation.

Their refusal to remove with the evidence provided proves they are intentionally preventing me from having an accurate credit report. I request that this information be blocked and removed 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 2019-05-06
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received what I believe to be a fraudulent debt collection letter for a debt I never owed or have not been contacted previously. I believe it is a scam. I did not try to contact the company because i did not wan them to even know I was interested. I have attached a copy of the letter. My address is even wrong on the letter. It is a 5 digit house number not a 4 digit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: Experian Information Solutions 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:
Someone has stolen my identity I believe from a data breach with XXXX  I was apart of or when my purse was stolen 9 years ago with my ID and social inside of it. I contacted the XXXX XXXX XXXX Police Dept and filed a report 2 months ago and also filed an identity theft report as well. I contacted all 3 major bureaus and filed a dispute as well and nothing has been done. I should not be held liable for these accounts that I did not open or authorize.

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 2019-05-05
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: Account information incorrect

Complaint:
In approximately XX/XX/2019, Experian offered a Beta Boost program that claimed to improve your credit score if your monthly bills were paid on time. 

At that time I had a credit score 25 points higher than it was before joining Boost. 

I provided Boost with my Bank and accounts for them to monitor for my credit card payments for my utilities, cable, electric and the bills that I pay with that specific credit card. 

The first time I called about the lower score they said the name on the credit card had to be exactly the way Boost showed it in their database. Experian had my middle initial in their database but my credit card did not have my middle initial. Boost than changed my records in Experian to remove the middle initial so that the Experian files would match my Credit Card file. 

When that didn't help I explained that all my bills are on autopay with all of my utilities etc on a monthly basis so there was no way a late p [ ayment could have played a part in lower credit score and there were no negative reporting to my account between the time I signed up for Boost and today. 

They then informed me that Boost doesn't work with autopay accounts and they were working on fixing it. 

I still had a lower credit score and Boost suggested I remove myself from the Boost program and my score would go back to where it was, so I did exactly that. 

My credit score is still lower than where it was before Boost and its been 5 months. I submitted a complaint to the XXXX XXXX XXXX and the Federal Consumer Protection Agency and Experian refuses to respond to either one of them. 

My only option would be to have my file conversation records Subpoenaed to be able to prove in court everything I have just stated is accurate and true. 

Experian has demonstrated a complete lack of wanting to help me fix my credit score which was lowered after joining the Boost program and has shown no concern or caring about ruining my credit score which I worked very hard to maintain.

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