BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-13
Company: Experian Information Solutions Inc.
State: IN
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: Problem with personal statement of dispute

Complaint:
I have three negative items on my credit reports. Two of which are related to me short-selling my home after a divorce in XXXX. The XXXX XXXX was XXXX XXXX XXXX Mortgage and the 2nd mortgagee was XXXX XXXX XXXX. Both of those lenders accepted their prospective proceeds from the short sale in XXXX. I have no issue with those negative debts on my credit report. The third negative item is from XXXX XXXX XXXX XXXX partial acct # XXXX ... XXXX and it shows Paid in Settlement in XXXX. I believe there has been a mistake in reporting between lenders. I believe XXXX, previously XXXX XXXX, was my original 2nd mortgage. As was common back then, my mortgages were sold to different lenders in the time I was there. I believe a reporting error was made because of a lender debt sale or name change. I have contacted the phone number on my credit report for XXXX and been transferred to multiple phone numbers within the company. Finally, I spoke with someone at XXXX who can only see the same account info in their system that is on my credit report because the account is so old. XXXX, nor the Experian Credit Dispute can show any documentation that this " debt '' is actually a negative item created by me. There was only a XXXX and 2nd on my home and those were settled. I need proof of what this negative item from  XXXX actually is and how it was settled. If this debt ca n't be substantiated by the lender, then the negative item on my credit report needs to be removed. I have already intitiated and received and disputed the intial credit report dispute thru Experian. There response basically said that " Yes, XXXX settled a debt with you ''. No other information at all. It could be a fradulent account and the lender provided no evidence to the contrary. Please help.

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 2020-02-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I payed my bill on Time by setting it up in autopay and the T.J.Maxx credit card Is claiming that the payment was rejected by the bank and is reporting a 30day late payment on my credit report And hurting my score for no reason. Please remove immediately and report accurately.

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 2017-11-13
Company: Jim Bottin Enterprises, Inc
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
In XXXX my wife and I joined the new XXXX XXXX gym at XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CT XXXX ), paying for a full year upfront which gave us one month free ( see PDF of contract in attachment ). Early in XXXX my wife broke her foot and we stopped using the gym. We thought we were done when our 13 month paid membership expired. We discovered in XXXX, XXXX that XXXX XXXX XXXX, the billing agent for Anytime, had been taking {$74.00} from my wifes XXXX XXXX XXXX XXXX account for 73 months ( from XXXX of XXXX through XXXX of XXXX ) for a total of {$5400.00}. We only discovered this after XXXX left her nearly 30 years of employment at XXXX XXXX XXXX and closed her Credit Union account. XXXX came looking for a new account to charge XXXX see attached bellow of ABCs letter XXXX. After much effort a XXXX XXXX XXXX, the owner of the local XXXX XXXX franchise, declined to make any offer of reimbursement ( see a copy of his email, below ). 
After talking to the XXXX owner, the basis of our dispute is that we insist we were not members after the XXXX 13 months and that we did not notice the money coming out of my wifes credit unit account for over 70 months until that account was closed and the finance company, XXXX, came after the XXXX payment. The XXXX position is you signed a contract and we called every few months to say come on down XXXX calls based on a report that showed we had not been to the Gym ). Our position is that we thought the calls were attempts to get us to rejoin. Both my wife and I clearly told the gyms employees during a number of these calls, that we were no longer members and we did not wish to rejoin. I was very firm with a representative of the gym who called in XXXX XXXX. They had called to my cell phone and reached me in Maryland where my family is relocating to. I asked them to stop calling as we had relocated out of State,  had not been members for nearly 10 years and had no intention of ever rejoining and yet they still kept charging our XXXX account. The XXXX XXXX Police had explained to me that once they get your account information, it is very hard to get them to stop charging you. In late XXXX early XXXX, I told them to stop having XXXX bother me, what did you not understand from my phone call in XXXX. They said they would take care of it, but shortly thereafter I received the attach letter from XXXX. I told a XXXX XXXX in a phone call, that if they had acted prior to sending the letter from XXXX, that they could have kept our money since the account was closed and we never knew they took any money from that account. 
We are seeking reimbursement of the {$5400.00}. More details are included in the timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
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: Personal information incorrect

Complaint:
I recently opened a credit card account. I supplied my P O Box address as my mailing address. Afterwards the two credit reporting agencies made three changes on my credit report. They added the credit card information, removed an address that I had not lived at in almost twenty years. They changed my address to the P O Box. I did not request an address change. This dropped my credi score by over 100 points dropping the status to a poor credit rating. As you are aware creditors can not serve consumers at P O Box addresses for defaulting on credit commitments thus this affects my getting credit, housing, and future employment. Why are the agencies allowed to change an address to a P O Box without the consumers request?

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 2020-02-15
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:
My identity was stolen, I don't know how but checking my credit there since to be a number of accounts in my credit report that do not belong to me, most recently inquiries in my credit by XXXX  XXXX, and a XXXX 's card that was clone I did filled out a polices report but I don't have it right now, lead me to believe someone has been using my name to open accounts fraudulently without my knowledge, please remove the accounts listed from my credit.

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 2020-02-15
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX, PA, XXXX SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX  {$8100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Dobberstein Law Firm, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i paid a debt one time charge for my daughter and then XXXX XXXX XXXX, XXXX WI took the money out of my account 2 more times and I received overdraft fees ( which I never had OD fees in this account ) They told me they were going to reverse it and they have not. I tried to tell them what happened and they said they were going to reverse it and reimburse my od fees and they never did. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been paying Experian monthly for regular access to my credit report and score only to find out that my score which they show me when I log on is significantly lower by almost 100 points based on the mortgage lender who just pulled my score. When I called Experian to inform them that this difference has cause me great harm, they basically gave me the run a round and refused to fully refund my monthly payments. I also explained to them that I was aware of the XXXX XXXX dollar fine which they had to pay based on the fact that disclosures were not prominent enough on their website based on a report by the CFPB.

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 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. The accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please ... XXXX XXXX XXXX Original Creditor : 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 explanation
Consumer complaint received 2021-09-10
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: Account information incorrect

Complaint:
In XX/XX/2020 an agreement was made with XXXX XXXX to catch my account up. The agreement was that I would no longer he e a delinquent status if I agreed to lay XXXX by the end of each month on XX/XX/XXXX of 2020 XXXX was paid. The delinquencies on this account should have been removed before XX/XX/2020 dating back to when the delinquency began. Request that the new agreement allowing XXXX payments be provided. My payments starting in XXXX and continuing up to this day need to be honored. I have disputed this Numerous times with no success

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Students Come First
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
the company Students Come First XXXX, promised me loan forgiveness if I consolidated my government loans and charged me {$590.00} for processing fees but never told me these payments wouldn't go to my balance, promised after paying {$2500.00} that the balance would be forgiven. All of it is incorrect. My loan was consolidated with Federal Student Loan and they said they have never heard of a forgiveness loan program unless you are a teacher, that I will owe the entire balance and Ithey don't have any payments that I made to Students Come First nor do they make any payment arrangements by credit card which is what XXXX XXXX set up for me under Students Come First - I would like my money back

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off and closed my XXXX bank credit card account in XXXX of XXXX. I have not used it sine. This week, in XX/XX/XXXX, they reported that I was delinquent on an amount of {$6.00}. I can not log into my account, and they have not responded to me. In the meantime, a loan application I submitted was denied for the reason " You have a current delinquency showing on your credit report. '' For XXXX  : I would like to be put in contact with them, I would like an explanation as to why my 100 % perfect payment record across two dozen accounts is tarnished, and I would like the delinquency removed from my account. 

Best, 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 2021-10-14
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
This is a follow up complaint to a recent complaint I submitted : XXXX. 
In XXXX XXXX 's ( Office of the President ) response, she states that I did not apply for the Barclay 's XXXX XXXX XXXX XXXX XXXX Mastercard " using XXXX ''. 
That is a false statement. I did so following the instructions on the application handout the flight attendant provided on an XXXX XXXX flight. On the front of that handout it offers " {$0.00} intro annual fee for the first year {$99.00} ''. On the inside of the handout it states, " Earn XXXX bonus XXXX  miles after making your first purchase within the first 90 days ''. Barclay 's opened my XXXX  Mastercard on XX/XX/2021, and I made a {$20.00} purchase using it on XX/XX/2021. However, when I applied online, the site switched the terms to " Earn XXXX XXXX  bonus miles after making your first purchase in the first 90 days AND PAYING THE ANNUAL FEE IN FULL, BOTH WITHIN THE FIRST 90 DAYS ''. Because I did not pay the annual fee in full within the first 90 days, Ms. XXXX states I am not entitled to the XXXX bonus miles ; however this conflicts with the handout, misrepresenting its offer. This is nothing but a fraudulent bait and switch. 
In addition, Ms. XXXX stated in her response to my initial complaint, " As a gesture of goodwill I have added XXXX miles to your account ''. This is an absolute lie. 
To preserve my excellent credit rating I have paid the {$99.00} annual fee until this matter is resolved. Lastly, in Ms. XXXX 's response she states : " If you have questions, please call me directly at XXXX ''. I have tried to call her several times. She never answers. 
So I was forced to leave a message, which she never called back.

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 2019-06-18
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 information incorrect

Complaint:
I called XXXX several times, to let them know I am victim of the inquiry issue. I have several inquiries that are does not belong to me. I also called Experian. 
My Name : XXXX XXXX S.S. # XXXX Address XXXX XXXX XXXX XXXX Inquiries XXXX/XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/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 explanation
Consumer complaint received 2019-06-18
Company: EQUIFAX, 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 information incorrect

Complaint:
I called XXXX  several times, to let them know I am victim of the inquiry issue. I have several inquiries that are does not belong to me. I also called XXXX. 
My Name : XXXX XXXX XXXX. # XXXX Address XXXX XXXX XXXX XXXX Inquiries XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a home mortgage with Wells Fargo mortgage. On XX/XX/XXXX I was laid off and I contacted Wells Fargo to tell them that I was going to be late with the payment of XX/XX/XXXX. I did not ask for any other help I just said I was going to be late with ONE payment. 

THEY offered me a program where I could go up to 6 months with deferred payments if I was having trouble finding a job On XX/XX/XXXX, I started a new job. During that time I paid one mortgage payment. Wells Fargo then said that they were look at restructuring my loan. They were going to send out paperwork that I had to fill out and send it to them. A week went by and I never got anything so I contacted Wells Fargo. They said that I did not need to fill out any paperwork they were restructuring my loan and I did not have to pay XX/XX/XXXX payment. Note : I did not sign anything I did not ask for that again they set this up without any of my knowledge. I felt they had no other choice at the time so I agreed to that. 

After our agreement was already set in motion, on XX/XX/XXXX, they sent a report into the credit bureaus that I was five months behind on my mortgage. My credit score immediately dropped 85 points. Since then credit card companies have been reducing my credit card maximum to amount owed. This increased my debt to available credit ratio. Today my credit has dropped 150 points.

I have been going back-and-forth with Wells Fargo on removing that credit report of five months because theyre the ones who told me to do it and I agreed to itjI have been going back-and-forth with Wells Fargo and removing that credit report of five late months because theyre the ones who told me to do it and I agreed to it. I did not ask for it

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 2020-02-15
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I AM STILL HAVING ISSUES WITH MY CREDIT FILE REFLECTING CURRENT AND ACCURATE INFORMATION. MY PROPER ADDRESS AND ONLY ADDRESS IS XXXX XXXX XXXX ,XXXX XXXX XXXX, XXXX Ohio XXXX. PLEASE REMOVE ANY AND ALL OTHER ADDRESSES FROM MY CREDIT FILE. I WAS A VICTIM OF FRAUD AND LIKE WOULD LIKE TO REMOVE ANY AND ALL ALERTS. SO I CAN CONDUCT BUSINESS AS USUAL. I HAVE REQUESTED THE REMOVAL SEVERAL TIME AND I STILL HAVE LENDERS TELLING ME I HAVE A FREEZE OR ALERT PLEASE, PLEASE PLEASE, REMOVE IT ASAP!!! THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE/REMOVE : XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX , XXXX OH XXXX There is a unverified account on my credit from a XXXX XXXX XXXX I XXXX please delete/remove this account this account I have never received any documents or papwerwork that was legally requested and never provided!! FCRA 609,611,623. I BELVIEVE IT TO BE A HIPPA ACT VIOLATION AS WELL.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
On XXXX XXXX, XXXX I went to XXXX XXXX XXXX XXXX share branch which is XXXX XXXX on XXXX XXXX XXXX. in XXXX XXXX, XXXX and made my loan pymt. The amount I paid was {$350.00} I forgot to add the {$.00} to my check. On XXXX XXXX, XXXX I received an email stating I was 30 day 's past due for {$.00}. XXXX  XXXX called me for 5 day 's about {$.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 2017-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After I called, everyday its a new inquiry on 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