BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-16
Company: WELLS FARGO & COMPANY
State: AL
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:
Wells Fargo reported a credit card to my credit bureau account. After contacting Wells Fargo they assured me this account would be removed from my credit report. In a letter from Wells Fargo dated XX/XX/2020 they assertion the account will be removed from my credit report within 30 days. This account remains on my credit report to this day. I have disputed it and still it remains.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: NJ
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSWORLD SYSTEMS INC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom it may concern : I went to XXXX XXXX XXXX in XXXX, PA on XXXX XXXX, XXXX for a XXXX XXXX to return to XXXX ( I live in XXXX although I am an American citizen ). I paid completely for the XXXX XXXX, {$110.00} with my credit card. The statement from XXXX states, " prompt pay ''. 
In XX/XX/XXXX, I received a letter from Transworld Systems Inc that I owe {$70.00} to XXXX XXXX XXXX. I immediately went online to the account indicated and initiated a dispute. The letter required that I initiate the dispute by XX/XX/XXXX. 
Following the initial date that I went online, I went online again and the account still did not show the dispute initiated so I clicked again on the dispute. On XX/XX/XXXX, I did the same thing again and it still did not show the dispute initiated so I decided to call Transworld. I was told that they confirmed the dispute was initiated, only on the second time I went online but would not provide proof that I initiated the dispute. 
Since then, I have not heard anything from Transworld and also tried to log in to their website ( XXXX ) but the site is no longer working. 
At this point, I am not sure what I should do and decided to reach out to CFPB as I do not want this episode to affect my credit rating and be solved quickly. 
Thank you for your support! 
Best regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2021-03-02
Company: NAVY FEDERAL CREDIT UNION
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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
This was a " secured credit card '' opened in XXXX with a {$300.00} credit line secured with a {$300.00} deposit. I stopped using this card and requested for it to be closed in XXXX. I was to receive my {$300.00} deposit back unless there was a balance then I would either see the difference refunded or nothing at all. According to my records I should have gotten {$300.00} back, but instead they added frivolous and predatory charges and fees to this account and subsequently charged this account off. Therefore causing damage to 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 explanation
Consumer complaint received 2020-10-16
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:
Now as an excuse you are saying the complaint did not come from me. THE COMPLAINT CAME FROM ME. YOU DID NOT DO/COMPLETE YOUR INVESTIGATION WITHIN THE LEGAL 30 DAYS.

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 2018-07-17
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 information incorrect

Complaint:
XXXX XXXX is reporting an inaccurate late on 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 explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions 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:
This is my several 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-01-27
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I got a loan for a car. I made all payments on time as they were set up for auto draft on lender 's web app. The account got sent to collections due to " being several months behind on payments '' according to the representatives on the phone. They pull the payment history and they are all on time. Then they say I am in collections because I am not paying my bill. Their collections department tried to get me to settle at a reduced amount. I refused. I am now set up for a payment plan to pay off the remainder of the loan. It is showing as a charge off on credit report. The lender refuses to change this status. I tried to dispute with credit beaurogh, but they just added that all payments were made on time and left charge off. My credit is still shot when I did everything right.

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 2018-08-10
Company: BB&T CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
This is a Company that had a diffrent interest rate that I signed and the copy I have was not legible to me at the signing of this contract. I will be sending you some paper work on the problems and how it got to this. this complaint goes against two companies. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. TX XXXX XXXX, Fl XXXX The complaint is for shady lending practices and lying giving me poor contract documents that I got from these two agencies. My notes will tell you this problem and how I try to work with them but refuse to contact me in a Reasonable time frame.

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 2023-01-02
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX XXXX Account name XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXXXXXX XXXX # XXXX, Account name : XXXX # XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-04-01
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had three credit card accounts with Synchrony Bank, PayPal Mastercard Account Number XXXX, Verizon Visa Card Account Number XXXX, and Amazon Store Card Account Number XXXX. My Verizon Visa account was closed on after missing a couple of payments due to me being in a car crash and being in the hospital, I contacted Synchrony CEO XXXX XXXX, explained my situation, and a representative from Synchrony Bank reach out to me and reopened my account on XX/XX/2023, and then closed all three of the accounts on XX/XX/XXXX were closed. They are in violation of my consumer rights of equal opportunity act. I demand that Synchrony Bank reopen my accounts due to violation of the Equal Credit Opportunity Act. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15. U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Synchrony Bank Financial has violated my federally protected consumer rights.

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 2023-05-08
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX has listed a collection on my credit report but I do not know why it is listed as it is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX XXXX PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$520.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance $ XXXX  Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 24 Months Contact info Address XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX CREDIT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This complaint is in relation to the reporting of late payments on accounts and the reporting of a bankruptcy on credit reports. When a bankruptcy is filed, the filer is counseled not to pay any payments on installment accounts. 
However, there are two separate sections which are reported negatively on the credit report for those same past due payments- thus, you are dinged in two separate categories negatively for the same transactions. 
One category cites legal actions including bankruptcies and the other category cites delinquencies. 
If the only reported delinquencies occurred during the filing of the bankruptcy, during a period in which you are counseled not to make payments due to the bankruptcy, then those same transactions negatively impact your credit score twice- which is 50 % of your credit score, rather than the 15 % of the score for publicly recorded issues or 35 % of the score for late payments. 
These same transactions which are included in the bankruptcy ( and state so on the report ) should not be delinquencies reported separately ( which thus critically hurts the credit score in an imbalanced method ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: CITIBANK, N.A.
State: MO
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:
XX/XX/2020 - Citibank billed my account a XXXX Annual Fee. 

XX/XX/2020 - Called Citibank to cancel card, if cancelled on this date would have received full refund of annual fee. When I called, I was told by Citi representative that if I did not cancel I would receive a one time  XXXX USD credit to my account on the XXXX or XXXX billing statement. 

XX/XX/XXXX XXXX Called Citibank to inquire about not receiving credit. This agent told me that previous agent was wrong, that I would not get the credit until the following year. I then asked to close the account and get full refund of annual fee. He said no. I then asked to close the account and prorate the annual fee. He said no. I then said I would like to dispute the annual fee to get a Supervisor to review case. He said no. I then asked for contact to escalate the problem. He was not helpful. He would not transfer me to a Supervisor to get additional information. 

XX/XX/XXXX XXXX Researched Citi contacts. Filed dispute via email with Citibank office of XXXX XXXX, Citi Global customer solutions office. No response as of XXXX XX/XX/2020. 

XX/XX/XXXX XXXX Filled out an online customer satisfaction survey that was emailed to me by Citibank . 

XX/XX/XXXX XXXX Received a generic email from Citibank I assume as a result of the survey sent out on XX/XX/XXXX. As of XXXX no response. 

I would like my account credited XXXX USD ( half of the annual fee ) as I was promised by the first Citibank Rep to keep my account open. 

Thank you 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 2023-01-27
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 XXXX XXXX XXXX I received a collection from a company that hadnt contacted me. I paid the amount in full and was told it would be left on my accounts for XXXX years more which is unfair under the circumstances that they were paid.

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 2020-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was aware of this fraud account on my credit XX/XX/2014  XXXX XXXX XXXX. I am not aware of where it came from or who used my information. SinceXX/XX/2014, I have been trying to get this account removed off of 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 2020-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In an effort to rectify this credit issue I have notified Portfolio Recovery LLC and ask them to provide valid proof of the collections accounts on my credit report. The proof they supplied does not meet the legal requirement of the FCRA. In addition to that, they provided letters, 4 separate letters attempting to not only validate the debt that they have no legal standing to collect but they provided these letters with different 4 different reference numbers to collect the debt twice on the two accounts in question. I have provided the letters, four of them showing the duplicity in which they operate and the lack of integrity they possess. They are demanding that I pay this debt twice. I have provided a copy of the 4 letters I received. Please note the 4 different reference numbers they are circled and located at the top right-hand corner of the document Please rectify it immediately. 

Regards XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief