BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-27
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: Account information incorrect

Complaint:
XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX Balance : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

( Original Creditor : XXXX  XXXX  XXXX ) XXXX Balance : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX Balance : {$0.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX Balance : {$0.00} - This account is not mine unless you provide me with the corresponding documents according to FCRA that it is mine. Please delete for reporting inconsistent and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Contacted by Rocket Mortgage about refinancing my home for a lower interest rate. So i agreed, it started to become a nightmare because they kept checking my credit and my score went down 47 points. I cancelled the refinance and indicated the reason why and asked them to stop checking my credit due to the issue it was causing, they ignored my request and continued to check my credit driving the score even lower. I've emailed them asking them to remove the inquires and was ignored. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: LEXISNEXIS
State: AR
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: Other problem getting your report or credit score

Complaint:
XXXX WAS LISTED ON OUR BK XX/XX/XXXX- XX/XX/XXXX AND IS STILL APPEARING ON OUR XXXX   CREDIT REPORTS.SEE ATTACHED, MANUALLY NOTIFY XXXX THAT OUR CREDIT FILES ARE SUPPRESSED AND MUST REMOVE VIA DELETION LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have Care Credit card - Synchrony Bank, they gave me 18 months same as cash and my former balance was about {$4200.00}. Today I got my statement and it was {$6300.00} because they charged me interest for 2-3 year after my promotion ended. This should be illegal taking advantage of people who don't understand all of the fine print and they never informed me of back interest. I am not a lawyer and don't understand all of the legal wording.

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 2019-11-11
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 went to XXXX to buy a car today XX/XX/19 and when I got my credit checked to see if I qualified for the auto loan, I was told that I did not get approved because there were accounts and inquiries in negative standing on my credit history. I looked into these accounts because I know they don't belong to me and I found out that these accounts were opened by someone named XXXX XXXX XXXX. I have no idea who that person is but I have never allowed that person to open an account or make any inquiries on my behalf. I did not benefit anything from these accounts that were opened in my name without my permission nor did I ever make any transactions or payments towards any of these accounts. I have already filed a police report regarding this matter.

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 2020-05-21
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/20, I requested that XXXX close my XXXX credit card due to the fact my credit limit was decreased. After further thought on XX/XX/20 I decided to inquire about my account being re-opened, as I feared it would impact my credit score by closing my account. I spoke to a friendly lady on the phone and she stated my account was never fully closed and it can easily 'reactivated ' as it was within 30 days of my closure request. She assured me this would have no impact to my credit score as it would be using my same credit account and it would be reported the same exact way since it hasn't actually been closed yet. Now, fast forward a few weeks my credit score has dropped a whopping 55 points despite stellar credit history on all my other accounts. Upon investigating, and speaking to the credit bureaus, the only change that occurred were " remarks added '' on my XXXX XXXX XXXX and my old account was closed, with a new one being opened. This caused a huge impact to my credit report and XXXX flat out lied about how this would be handled. They ASSURED me that a new account would not be opened and reported.

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 2019-08-21
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:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation in my Transunion report XXXX This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I applied for the XXXX XXXX credit card, after receiving a pre-approved offer. 

On the XXXX they pull my transunion credit report. 

I was denied application. 

However on XX/XX/2020, XXXX days later they pull my credit again! 

I now have 2 hard inquiries on my credit report. 

I never authorized to pull my credit the second time. 

Provisions are requested!

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 2019-08-09
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX - THIS IS NOT A DUPLICATE COMPLAINT - I AM INCLUDING NOW A THIRD LETTER FROM XXXX DATED XX/XX/XXXX. THIS IS NEW AND RELEVANT INFORMATION. 

Experian continues to report the XXXX account number XXXX. They are refusing to delete this item from my credit report in spite of the fact that XXXX has requested that they delete the account from my credit report 3 times. On XX/XX/XXXX XXXX sent a request to Experian to dedele the account from my credit report. On XX/XX/XXXX XXXX sent a request to Experian to dedele the account from my credit report. On XX/XX/XXXX XXXX sent a request to Experian to dedele the account from my credit report. Experian continues to refuse to delete the XXXX account. 



XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX,  NYXX/XX/1001 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 2020-05-21
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/20, I requested that XXXX close my XXXX credit card due to the fact my credit limit was decreased. After further thought on XX/XX/20 I decided to inquire about my account being re-opened, as I feared it would impact my credit score by closing my account. I spoke to a friendly lady on the phone and she stated my account was never fully closed and it can easily 'reactivated ' as it was within 30 days of my closure request. She assured me this would have no impact to my credit score as it would be using my same credit account and it would be reported the same exact way since it hasn't actually been closed yet. Now, fast forward a few weeks my credit score has dropped a whopping 55 points despite stellar credit history on all my other accounts. Upon investigating, and speaking to the credit bureaus, the only change that occurred were " remarks added '' on my XXXX XXXX XXXX and my old account was closed, with a new one being opened. This caused a huge impact to my credit report and XXXX flat out lied about how this would be handled. They ASSURED me that a new account would not be opened and reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/20, I requested that XXXX close my XXXX credit card due to the fact my credit limit was decreased. After further thought on XX/XX/20 I decided to inquire about my account being re-opened, as I feared it would impact my credit score by closing my account. I spoke to a friendly lady on the phone and she stated my account was never fully closed and it can easily 'reactivated ' as it was within 30 days of my closure request. She assured me this would have no impact to my credit score as it would be using my same credit account and it would be reported the same exact way since it hasn't actually been closed yet. Now, fast forward a few weeks my credit score has dropped a whopping 55 points despite stellar credit history on all my other accounts. Upon investigating, and speaking to the credit bureaus, the only change that occurred were " remarks added '' on my XXXX XXXX XXXX and my old account was closed, with a new one being opened. This caused a huge impact to my credit report and XXXX flat out lied about how this would be handled. They ASSURED me that a new account would not be opened and reported.

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 2023-01-09
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Trying to get VA XXXX MODIFICATION talk to VA REP XXXX XXXX said will approve see letter, WELLSFARGO WORST BANK as a veteran and being discriminated against since im XXXX XXXX know many who have been approved!

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 2019-08-21
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I wrote a check in the amount of $XXXX to Florida Department of Transportation (FDOT). It cost $XXXX to send the check certified to ensure that they received it within the 10 day time limit required. FDOT later sent me a letter informing me that the check had been dishonored and imposed an additional $XXXX fee on top of the original amount, in addition to the $XXXX of certified postage that it costs to send another check to them.A citibank representative stated that the checking "feature" had not been activated on my checking account and that the feature would be activated after writing the first check. I asked if he understood that they were essentially forcing me to bounce a check in order to activate the checking feature.

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 2019-08-21
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a recurring auto debit on the XXXX of every month and for the month of XXXX  that payment did not occur.  I was informed that the auto debit would not occur for XXXX because my account did not have a payment due and there was a system issue that is trying to be resolved. I pay more than the amount due and have accrued enough excess to be months ahead of my payment so the system did not take my payment. I had to contact the lender to determine why the payment did not occur, when going into the web portal the message simply says to please wait a few days for it to be resolved.   I have since gone in and instructed a one time ACH to pull today to make the XXXX payment. If I would not manage my finances to a strict budget I would not have noticed the payment did not occur and my account would accrue unnecessary interest.  However, my account will accrue additional interest for the delay in the payment (only 6 days on one payment but this is bigger than just my account).  The error by their system will in turn cost me and every other individual that has a loan with the organization that is paid ahead additional money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: Experian Information Solutions Inc.
State: TN
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:
I have contacted CRA about personal information being reported on my credit report such as social security numbers that are inaccurate and provided supporting documents and they have not deleted this 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 non-monetary relief
Consumer complaint received 2019-08-21
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:
I tried to dispute the following accounts with reporting agencies and creditor several times without success: The following account are been reported in my Credit Report without me having any knowledge or authorization for these accounts: 1. XXXX XXXX XXXX XXXX: $XXXX Status: Charge Off, Date Opened: XXXX - 2. XXXX XXXX XXXXXXXX XXXX XXXX: $XXXX 3. XXXX XXXX XXXX XXXX XXXX  : $XXXX Status: Charge-Off, Date Opened: XXXX4. XXXX/XXXX | XXXX : Balance: $XXXX Status: ChargeOff, Date Opened: XXXX5. XXXX XXXX | XXXX  Balance: $XXXX Status: Charge-Off, Date Opened: XXXX6. XXXX XXXX/XXXX | XXXX Balance: $XXXXNon of this creditor have reached out to me or send me any type pf communication regarding these charges and resolution steps as required by the Fair Debt Collection Practices Act (FDCPA). The dispute service online on Equifax  has been unavailable for month and the phone costumer service technicians refuse to take the dispute over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AMCOL reported {$670.00} not paid to credit bureaus. I contacted XXXX XXXX directly via online, and paid the {$670.00} in full on XX/XX/XXXX2019. I attempted to dispute the report, but was unsuccessful. I saw that XXXX reported the amount again on XX/XX/XXXX. I tried to dispute again on XX/XX/XXXX, unsuccessful. On XX/XX/2019, I contacted AMCOL ( XXXX ) to gain information as to why they continue to report the amount on my credit when I paid to the company directly. I asked her when the correspondence was sent to me regarding the amount due by the third party, she said the company had no record and would not be able to confirm. I ended up speaking with a manager,  XXXX, who stated that AMCOL sent correspondence in XXXX, which I never received. I told her that I did pay, but she said they would have to wait for XXXX XXXX to confirm payment. By the end of the conversation she said she would expedite trying to locate the payment confirmation. I contacted XXXX XXXX ( XXXX ), thereafter, spoke with a rep, XXXX, who stated that their records confirmed my payment of {$670.00} on XX/XX/XXXX2019 and pulling my information from collections on that same date. I called AMCOL back and ended up speaking with XXXX again who then said she received payment confirmation fifteen minutes ago. I expressed my disbelief that the company just received confirmation from XXXX  XXXX on today. I also let her know that XXXX XXXX confirmed pulling my information from collections the same day the balance was paid. Because I have disputed this item multiple times, I can not dispute again and it's showing up negatively on my credit report for XXXX even though the bill was paid at the end of XXXX and pulled from collections at that same time. AMCOL did not follow up with my account properly and continued to make false reports on to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was a customer of XXXX but in XX/XX/XXXX my service was turned off. I owed a balance of {$310.00} ; which they forwarded my information to a collection agency Southwest Credit on XXXX XX/XX/XXXX and they sent my information over to another collection agency also XXXX XXXX XXXX  on XXXX XX/XX/XXXX. I have been receiving calls non stop from both companies even after explaining to them that I have spoken with XXXX about them placing me with 2 different collection agencies for this 1 bill and that I need to know who actually suppose to hold the account. I have told them that they need to contact XXXX also and they reply in an aggressive manner with " They are the original holder and XXXX has entrusted them to collect on the debt in the amount of {$310.00}, and I will pay the amount that is owed or further action will be taken. 
I feel like I am being strong armed by both companies for a total of {$620.00} ; which is more than what I originally owed.

Company response to consumer: Closed with explanation