BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-28
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2019 i checked my credit score through my credit unions free monitoring system with transunion. The last time i checked it was on XX/XX/2019 it was XXXX. Today it has dropped to XXXX. I BORROWED THOUSANDS OF $ TO PAY OFF MY CREDIT CARD DEBTS. I HAVE NO OPEN ACCOUNTS. NOW THIS COMPANY IS PLAYING GOD TO DECIDE THAT THEY CAN COMPLETELY WIPE OUT MY EXCELLENT CREDIT & PENALIZE ME BECAUSE I AM NOT OPENING MORE DEBT. WHEN I CALLED TRANSUNION I COULD NOT EVEN UNDERSTAND THE CS AGENT. HER ACCENT PREVENTED ME FROM ASKING A SIMPLE? I WAS TRANSFERED TO A MNG WHO I STILL COULD NOT UNDERSTAND. ALL I ASKED WAS WHO HAD THE AUTHORITY TO DROP MY CREDIT SCORE, SHE SAID THE SYSTEM DECIDED SINCE I DID NOT HAVE ANY OPEN ACCTS. MY SCORE WAS LOWERED. SO ALL MY 20 YRS. OF PERFECT FAITHFUL PAYING OF THOUSANDS OF DOLLARS IN STUDENT LOANS & CREDIT CARDS MEANS  NOTHING? I WANT THIS EVIL PERPETRATED AGAINST HONES HARD WORKING AMERICAN CITIZENS STOPPED. I WAS NEVER LATE ON ONE BILL AND THIS COMPANY IS NOT GOD. THEY HAVE NO AUTHORITY TO RUIN MY CREDIT SCORE, BECAUSE I AM NOT PLAYING THEIR EVIL GAME OF DEBT. HELP ME AND EVERY OTHER HONEST AMERICAN WHO PAID OFF THEIR DEBTS.

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 2018-06-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: WI
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 had originally had submitted a claim XXXX on XX/XX/2018 and disputing XXXX XXXX XXXX Missouri on my Chex System FIS report. I am unable to open a check or saving account due to this issue. I have now been able to obtain a statement from my lawyer as well as the indentity them case ( court document ). I have mailed it to Chex system and would like to open another complaint. Thanks.

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 2018-06-30
Company: SYNCHRONY FINANCIAL
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Hello, I was talking to PayPal credit ( they called me at XXXX CST ) I was speaking with a representative named XXXX ID # XXXX. He was not getting what I was saying at all and kept going in circles, making me feel slightly harrased. The real problem is when I asked to speak with a supervisor. He then put his headset down, and did not mute his microphone. While he was standing there he said I sounded " like he doesn't know anything, sounds like he just woke up. '' His manager XXXX ID # XXXX then came on the line. I asked if that is what he said about me. She said yes and that she told him not to say it again. This made me feel extremely harrased and trying to insinuate that I don't know what I'm doing. I do feel very harrased by this representative XXXX ID 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 2019-02-18
Company: Screening Reports Inc.
State: GA
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: Problem getting your free annual credit report

Complaint:
Unable to obtain a copy of my rental/tenant history credit report. I wrote to you, and have not recieved any response.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2018-10-11
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX XXXX refuses to update my PSLF count. The most recent time they updated it was up through XXXX of XXXX ( 16 months ago ). They only did this because I filed a CFPB request in XXXX of XXXX, which you were able to solve the issue for me ( thank you! ). At the time, they updated my PSLF count to 40, which  is correct as of XXXX of XXXX, and provided you with a word document showing each month 's payments. 

They certified my PSLF approved employment in XXXX of XXXX for the year between XX/XX/XXXX through the date submitted ( XX/XX/XXXX ). However, 5 months later, they have still refused to add those months of PSLF payments to my total. The total on the website still says 40, which is more than a year out of date. They certified my current employer 5 months ago, but are refusing to add the months of payments to the total. 

I have emailed them MANY MANY times. Each time, they tell me it can take " up to 90 days ''. We are well past 90 days. They always send me the same Copy/Paste reply, verbatim. 

Please help! 

Thanks,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-30
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted this agency through mail with written notice asking them to verify that this account belongs to me either with a copy of my ID, a signature, or a copy of my social security card. This agency responded by sending me 3 letters asking me to send my request in writing but I already did that. This issue is stopping me from living life to my fullest potential and i need action taken as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
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:
The accounts listed are not mine.

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 2021-09-07
Company: EQUIFAX, 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:
I was a victim of identity theft when I was XXXX  in a XXXX XXXX. I have struggled with XXXX XXXX and when I am XXXX  my information is compromised. My information has been compromised in these bureuas security breeches and the they fail to fully validate information and refuse to remove these items from my report, Instead the keep updated the system as open accounts when they have been paid and the file closed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: JPL Recovery Solutions
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company JPL Recovery solutions has repeatedly called me at work after I instructed them not to, and they have discussed my debt with our office assistants threatening to garnish my wages, they said they did not know it was a work number even though they have called multiple times with these threats

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have tried numerous times to get XXXX XXXX XXXX XXXX ( XXXX ) XXXX Headquarters XXXX XXXX XXXX XXXX, CA XXXX and the credit bureaus to correct my credit report with no success. My debt with XXXX was discharged in Ch XXXX bankruptcy on XXXX XXXX, 2017, yet XXXX is still showing me past due. They did not report me correctly during ( post-petition and pre-discharge ) or after my discharge. I have evidence to backup my claims. My credit was pulled by a creditor yesterday, and they gave me a copy of the report from XXXX showing that the XXXX XXXX and XXXX are still showing me with a " code 7 '' which says to the dealer I am past due on this debt. This is affecting the interest rate that I am able to get. Funny thing is, the report that XXXX shows to me, the consumer, looks right. But there is a " behind the scenes '' reporting that goes on that creditors see that consumers are not allowed to see that is not correct and I was fortunate enough to get this copy from the dealer. This willful refusal to correct my record post-discharge is robbing me of a fresh start and preventing me from getting a fair interest rate. The dealer is telling me that I am showing late with XXXX but all my other discharged debts are reporting correctly on their report. I have disputed this XXXX debt several times with each of the 3 credit bureaus and have contacted XXXX 's credit reporting dept. directly and was assured it would be fixed by XXXX months ago. I am asserting and claiming that they are involved in corrupt and deceptive reporting practices when my report shows something different than what the creditors actually see, and that this action is " willful '' disregard for the laws. To deceive me into thinking my record is correct by falsely reporting to me one thing, and then keeping the database of information inaccurate for what is shown to creditors that pull my credit, is deceptive and fraudulent. Thank goodness I had a creditor who was willing to give me a copy. I have attached a claims register showing XXXX was included in my bankruptcy, the discharge notice and the credit report from the creditor, showing a code 7 which means I am past due.

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 2019-03-16
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have repeatedly signed up for electronic billing statements and notifications through the website santanderconsumerusa.com. At one time I received them and then it stopped. The last statement I received was XX/XX/2018. 
At this time I am uncertain as to whether this is sloppy record keeping on their part, deficient technology, or a policy of provoking late fees. There is also no electronic confirmation of payment, which is a standard feature of all websites which accept electronic payments. 
Today I submitted an electronic payment, and as usual, I am uncertain as to whether it went through. Checking my account statement page, there is no indication a payment has been applied. I attempted to use the contact form on the website. Upon submission I saw a splash effect indicating that something was processing but there was no indication the form was submitted, such as a confirmation page. I repeated this several times. The only method to get out of the form was to cancel. 
I work for a company that conducts usability research - testing websites to see how well they work - so I am familiar with the expected functionality of such forms. This is not typical. 
I am submitting this complaint as I am unable to contact the company through the means they provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
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:
this account belong to someone else please removed it from my credit report. 

XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1200.00} Balance Updated - Credit Limit - Past Due Amount {$1200.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor XXXX Company Sold-to - Original Amount {$1200.00} Comments - Payment History

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: WELLS FARGO & COMPANY
State: GA
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received my investigation results.

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 2021-09-07
Company: CITIBANK, N.A.
State: OK
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 received a letter from Citi stating they could not verify the accuracy of credit information. However, I have NEVER applied for a credit card with Citi. The letter provided a reference no. and the letter said to have it available when I call. I called the number in the letter. They requested my social security number before they would talk to me. I have absolutely no intention of providing my social security number. Not sure what is going on here but definitely think it could be fraud.

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 2019-08-28
Company: EQUIFAX, INC.
State: GA
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:
Equifax continues to have two separate credit reports under my information. It is extremely frustrating and I have attempted to have this resolved four times in the last eight months. This needs to be resolved by Equifax. Half of my accounts show up on one report, the others show up on another. When I get my report from Equifax, Im giving a report, that shows some of my information. When a creditor pulls my credit, they get the other one. Why cant this problem just be resolved?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01
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: Account status incorrect

Complaint:
I have tried numerous times to get XXXX XXXX XXXX XXXX ( XXXX ) XXXX Headquarters XXXX XXXX XXXX XXXX, CA XXXX and the credit bureaus to correct my credit report with no success. My debt with XXXX was discharged in Ch XXXX bankruptcy on XXXX XXXX, 2017,  yet XXXX is still showing me past due. They did not report me correctly during ( post-petition and pre-discharge ) or after my discharge. I have evidence to backup my claims. My credit was pulled by a creditor yesterday, and they gave me a copy of the report from XXXX showing that the XXXX XXXX and XXXX are still showing me with a " code 7 '' which says to the dealer I am past due on this debt. This is affecting the interest rate that I am able to get. Funny thing is, the report that XXXX shows to me, the consumer, looks right. But there is a " behind the scenes '' reporting that goes on that creditors see that consumers are not allowed to see that is not correct and I was fortunate enough to get this copy from the dealer. This willful refusal to correct my record post-discharge is robbing me of a fresh start and preventing me from getting a fair interest rate. The dealer is telling me that I am showing late with XXXX but all my other discharged debts are reporting correctly on their report. I have disputed this XXXX debt several times with each of the 3 credit bureaus and have contacted XXXX 's credit reporting dept. directly and was assured it would be fixed by XXXX months ago. I am asserting and claiming that they are involved in corrupt and deceptive reporting practices when my report shows something different than what the creditors actually see, and that this action is " willful '' disregard for the laws. To deceive me into thinking my record is correct by falsely reporting to me one thing, and then keeping the database of information inaccurate for what is shown to creditors that pull my credit, is deceptive and fraudulent. Thank goodness I had a creditor who was willing to give me a copy. I have attached a claims register showing XXXX was included in my bankruptcy, the discharge notice and the credit report from the creditor, showing a code 7 which means I am past due.

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 2020-07-05
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I placed an order from Macy 's online for a bottle of men 's colone in the amount of {$100.00}. When the package arrived I could see that it had been damaged. Upon opening the package I discovered that the bottle was damaged and the liquid had escaped. The broken bottle was empty. I immediately filed a dispute with Macy 's online. As of this date Macy 's has not responded to my dispute. It has been well over 30 days and they have not responded to my dispute nor given me a 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 monetary relief
Consumer complaint received 2020-08-28
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:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possibleXXXX {$170.00} U S DEPT OF EDXXXX XXXX {$2000.00} XXXX XXXX  XXXX XXXX {$46000.00} XXXX/XXXX   XXXX {$1900.00}

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 2020-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Bank of America XXXX customer service contaced XX/XX/19 to reissue new card in an account that has {$7500.00} balance. 
Told card would be reissued and to me by XX/XX/19. 

Called XXXX to verify as I'm losing my home and no money to eat to find card wasn't sent even due to a block. 

Told I'd get emergency transfer. A call within 24 hours and no response. Bank of America has had every employee lie and still not giving me access to my XXXX paid to me in 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 monetary relief
Consumer complaint received 2020-07-10
Company: M&T BANK CORPORATION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I tried to request a loan forbearance due to being affected by COVID-19. And I was denied. M & T Bank told me that they do not offer forbearances.

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 2018-07-03
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I attempted to have this debt removed from my experian credit report because XXXX XXXX violated the consumer fraud act and consumer contract warranty notice act. I received a class action notice that I am a part of and the notice indicated the storage co violated consumer fraud act by charging excessive premiums and violating nj truth in warranty notice act. The debt should not be listed on my credit report due to all of this fraudulent activity. The settlement is listed is indicated on the web site. Open to the public. The collection agency should not be trying to collect on these violations. IC systems inc collection agency.

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 2018-04-11
Company: Coinbase, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I purchased XXXX LTC/BTC coins on Coinbase then approx. a week later they disappeared from my wallet.I called coinbase, they sent an email asking for screenshots.I sent them right away then heard nothing.A couple of weeks later I emailed them again.They asked for the same screenshots which were sent within minutes.I waited a couple of weeks and received no response.I emailed coinbase again and called each time they ask for the same information.

Company response to consumer: Closed with explanation