BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-03
Company: EQUIFAX, INC.
State: CT
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:
Contacted XXXX credit reporting about and issue with 4 outstanding credit notes on my report, all were disputed and claimed investigation pending? Both Equifax, and XXXX were contacted several weeks later and were questioned on the status? And how could my score drop when court documents and arrest warrants were filed as Well? The answer I got was we don't investigate anything all we do is put the information from the credit card company in for information? So my next question was so you don't confirm anything they answered no. The managers name was XXXX and wouldn't give the last name but was in the fraud unit? He went onto state that Fico does the scores and not them? I then contacted Fico and questioned them on how does a dispute get handled? The manager stated that he doesn't do any investigation for fraud and he does is take what the credit companies submit but does not verify anything? So here all three company 's charge consumers for fraud protection but none do any investigations and only rely on what the credit card company submits? Nothing is confirmed at all through the courts or anything, but yet you are charged every step of the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: ALLY FINANCIAL INC.
State: TN
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:
I was to CO-Sign for my son on an auto loan at XXXX XXXX in XXXX Tennessee. I live in another county and spoke to the salesman who i did give consent to do a credit check, but now have 7 HARD inquiries on my credit. This was not explained to me that they would use my ss in this manner and then when I got to the place to check on paperwork I declined to sign for the existing loan at 20 % and they had it in my name as primary. We went to XXXX and got a loan at 4 % and Co-signed for my son. This practice of making multiple hard inquiries even at credit unions where we did not have accounts is damaging to my credit report and an unfair practice. All of the inquiries were from XX/XX/2018. Please let me know what can be done to fix this. I am making this edit at the very end as there are 4 more companies involved that the computer system did not allow me to enter. Those are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AND 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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Acct Name : XXXX Acct # : XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! 
XXXX account number XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

On 07/2022 and 07/2023 you reported transactions from account # 6035350230963675 to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports!

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance!

Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. 

I need the transactions reported on XX/XX/XXXX and XX/XX/XXXX Deleted from my consumer reports effective immediately. Now before you think to reply with validated, letters be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time! 

Furthermore 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-02-27
Company: BARCLAYS BANK DELAWARE
State: NJ
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:
A payment was made in full of {$6900.00} for balance on card on XX/XX/XXXX by my XXXX company ( XXXX ) to pay off my debt and received by Barclays on and processed on XX/XX/XXXX and to this date it has not been dropped from my account. I inquire about this issue several times and was informed on XXXX XXXX that they did not have payment and an investigation would start and it would take 30 days. However I received a dated XX/XX/XXXX indicating that it would take another 45 days for investigation. In the mean time I have been incurring fees and interest. I have documents to indicate receipt of amount and letter from Barclays of further investigation.

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 2022-02-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want this account deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have accounts on my Equifax credit report that have been opened due to identity theft fraud and i did not authorize these companies to open these accounts. I have submitted the police report with the names of all the fraudulent accounts over to Equifax numerous times and by law they are supposed to block these accounts within 5 business days. I have been trying for 5 years and i have gotten no where with them. The latest was sent on XX/XX/20 and they still will not block these accounts. The accounts are listed below 1. XXXX XXXX 2.  XXXX XXXX  3. XXXX XXXX  4. XXXX XXXX which is now called XXXX XXXX  Also i have attached the police report below XXXX  Fraudulent accounts and all of these accounts were previously deleted due to the fraud and are now reporting on my credit again. 
1. XXXX XXXX  2. XXXX XXXX 3.  XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX 6. XXXX XXXX XXXX ( there are 2 of these reporting ) XXXX  Credit Bureau 1. XXXX 2. XXXX XXXX XXXX ( 2 accounts ) All these accounts on all credit bureaus have been disputed numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: CBC Companies, 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:
I've made several attempt within a year and no results, from XXXX for false or inaccurate information. Obtaining variations of names, birthdate, addresses, SSN, telephone numbers and employers. References # XXXX that they assigned me. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: Minto Financial dba Minto Money
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I just started noticing payments of {$240.00}. Being taken out of my account since XX/XX/2021. I never applied for a payday loan and when I got the loan document my personal information was incorrect and the loan was for {$900.00} and the repayment is {$4800.00}. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
After being hounded incessantly and continuously even during the pandemic, I agreed to a settlement offer from Navient. I understood this would pay ALL my loans with them and be final. I used my pandemic assistance money and paid them {$2200.00} on XX/XX/2020. 
I waited for them to say I was finally done with them after more than XXXX years. 
I learned I wasn't. 
AFTER I paid the amount to stop the harassments once and for all, I was informed it did NOT pay all the loans... .only XXXX of XXXX DIFFERENT LOANS! 
My offer letter continuously referred to the loan ( XXXX ) I was paying off in the plural, clearly and purposefully misleading me to believe I was paying all my loans off. 
Fast forward to today and now Navient has lost a lawsuit requiring them to forgive my debt as part of punishment for this exact kind of gross misrepresentation. 
They misrepresented themselves back in XX/XX/2020 and I want them to give me back the {$2200.00} they took from me under duress and under false pretenses. According to the terms I received of the lawsuit, payments made during the same period I made mine have to be given back. 
Please help me reach out to them and get the {$2200.00} back, It was a huge amount for me then and now, without pandemic assistance, is even more important. 
Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: PR
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 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXXXXXX 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 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 2022-02-27
Company: KEYCORP
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was recently charged a {$3.00} " Paper Statement '' fee on my Key Bank Checking account. 

I am not worried about the {$3.00} ; however, to ensure this fee was legitimate, I contact Key Bank ; and requested they provide me with the terms and conditions of my account as this was a new charge. They said that they previously mailed it. I requested this in mail, again, -- -but they said that they could not do this ; as it was online.

I asked them to show me, where on my online account, it was ; and after being disconnected twice- they finally directed me to a public page -- -that had some information; but said nothing about the {$3.00} ( There was a different page that actually said 1 statement a month was free ; and additional requests were {$6.00} ). 

When I attempted to contact them again, I reached the same chat representatives ( XXXX and XXXX I tried multiple times to re-connect ; but they disconnected me each time. 

It appears as though Key bank is not being transparent with fee schedules and other terms and conditions with my account ; as they will not send me this by mail ; at my request -- and they have been unable to show me how to access it on my online account after several attempts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX  I mortgage a {$200000.00} home with Wells Fargo, paid my home off within 5 years. I then later refinanced the same home for {$80000.00} in order to buy a second dwelling but then later sold that dwelling. Which the year would of been appox XXXX. I paid approximately {$30000.00} towards the refinanced loan leaving {$50000.00}. My monthly payments started out at {$800.00}. The next year it went up to {$900.00} we called asking them why wells Fargo claimed I didn't have enough equality. So I said fine and went on. The year after that it went up to {$1100.00}. Called back asking why and again they claimed not enough equality. Said fine and went on. The next year went up again {$1200.00}, again the next year XXXX, we kept calling asking what is the deal and they kept claiming the same thing. Not seeing any choice in the matter I just continued to pay it. Seeing that of course they would tell me if I didn't pay it they would send out foreclosure. My payment would go up {$100.00} a year for the next 10 years until I was basically broke and had to sell and move because I received a letter in the mail claiming my payment would go up yet again at the start of the next year making it {$1700.00} a month. I didn't know much about it so therefore I just seen that I couldn't afford it any longer and gave up my home to move into an apartment because it was cheaper. They refused to help me any nor explain to me any reason why it was happening except for I didn't have enough equality. At that time I was approx in my XXXX so I didn't have the patients and I figure they were doing me wrong but I didn't have the money to hire a lawyer and I wasn't about to waste my last precious years on them. But I know what they were doing was wrong.

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 2023-09-28
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Im writing this letter to apple card support to get this situation squared away once and for all I have three open disputes going with apple card support at this time one is for dispute number XXXX XXXX from XXXX another one for $ from Home Depot dispute number XXXX XXXX and another one from {$170.00} from XXXX dispute number XXXX XXXX XXXXXXXX I have been going round and round with apple card support to try to get these disputes resolved with no luck I keep talking to different people and getting different answers from every person that they bounced me to. XXXX keeps telling me that that I was refunded for the {$240.00} the XXXX and the XXXX when I look at all my statements going back to XXXX I was never given any kind of credit for those three transitions but yet apple card keeps telling me that the merchant gave me a credit and thats why they were moving the provisional credit that they gave me I have sent documentation showing that none of these tranzations was ever credited back to my account Ive gotten all my statements from XXXX all the way to the present its showing that nothing was ever credited at nowhere there doesnt it say credits for for {$240.00} one XXXX or $ now as far as this {$180.00} thats in question from Home Depot the issue was I placed an order back on XX/XX/XXXX form Home Depot they unfortunately Home Depot took the money out but then some of the items werent available they cancelled my order I had to go and I had to reorder the items and they double charged my card but they never refunded the {$180.00} Home Depot said that they canceled the order and they refunded it but they never did and I sent documentation over showing that .Ive uploaded since documents several times via e-mail and a couple of times on the apple card app itself to send this documentation over and havent heard anything back so Im I sending them in the mail. the complete statements that I have starting from XXXX of XXXX to the present unfortunately apple card chose to terminate my card on XX/XX/XXXX  so I have not been able to use this card at all to make any purchases and the following credits are not there they do not show up at apple  keeps saying the reason theyre denying my dispute is because I receive credit which I did not when I talked to somebody back on XX/XX/XXXX the person I spoke with then said that they were gon na have somebody give you a call back which nobody ever did because they said that I had won these disputes but they had never put the credit back on the account so I need to get this situation understand if theres a card plus balance then how do I get the money from apple since my account is closed regardless because I won one of the disputes of {$290.00} I did win that my apple card i re openrd up these dispuites a couple of days ago. You keep.asking for the same information i keep giving it to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Resurgent Capital Services, has been harassing me by way of extortion by attempting to collect on an {$1300.00} extension of credit I provided XXXX  XXXX BANK. Since XX/XX/XXXX, every other day until present day ( XX/XX/XXXX ). 
Ive received over 20 unauthorized emails with offensive obscene & profane language. Each email claiming I owe an alleged debt for extending credit to another business. These false claims that I am in debt are obscene and is causing mental and emotional distress and injuries. In addition, I never gave Resurgent Capital Services direct consent to contact me and attempt to extort me of an alleged debt of {$1300.00}, pursuant to 15 USC 1692 ( c ). My reputation is being attacked and my character by the repetitive profane language used against me.

Company response to consumer: Closed with non-monetary relief