BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-04
Company: EQUIFAX, INC.
State: TX
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 am a victim of the breach and also been a victim of identity theft before the breach. I need these hard inquiries removed because I have no knowledge of them. I didn't inquire for accounts with them. I would like for these to be removed from my reports. I have sent certified letters and the response I received back was "These item are factual record of file access."  My rightschedule are being not being acknowledged and I am after multiple attempts to remedy this asking for your assistance to have these agencies perform their duty to protect my credit worthiness and reputation. EQUIFAXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXXXXXX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have asked TransUnion, XXXX and XXXX, to please remove XXXX XXXX XXXX account, this is not my account and they will not remove it from my credit report. 
I have disputed this account for a year, with both TransUnion and XXXX XXXX XXXX account. XXXX XXXX XXXX, has been rude and threaten to file a public account ; I have had problems with XXXX XXXX XXXX in the past and it takes months if not years for the credit bureaus to remove items from my credit file.This XXXX XXXX XXXX company don't care that these reportings are hurting people. 
I have had Identity theft for over twenty years and have done everything I can to stay on top of checking my credit file .I have a special number to file my taxes from IRS because of identity theft. 
Thank you, 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 2017-10-06
Company: Synovus Bank
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello my name is XXXX and I am having problems with XXXX XXXX..XXXX XXXX XXXX  and the other names they use. 
I was not aware of the debt until several years ago when I received a garnishment notice from my employer. 
This amount was subtracted from my paycheck weekly including any taxes. 
I have not received any satisfaction of judgement letters. Recently I purchased my home and before closing I was advised that this debt was not settled and it was holding back my closing. 
Apparently XXXX XXXX purchased the debt and claims it was never settled. 
To avoid losing the home i waited so long for ; I made XXXX an offer of if XXXX and they accepted. On X/XX/17 I sent them the amount and they cashed the check. 
Now I need them to send me a satisfaction of judgement letter to give to the attorneys who handled the purchase and closing of the home. Money was held in escrow to show good cause. The sum it XXXX. Without this satisfaction letter I can not get back this money. It 's being held by XXXX XXXX. 
I had our attorney intervene and try to speed up the process yet nothing from them. We, my wife and I along with our attorney has been constantly given the run around. It 's either call back tomorrow ; call back in one hour ; no one is in that department ; can not locate the file ; all sorts of excuse. 
They cashed the check and was paid 2 times. 
I have even asked to speak with a supervisor. He is never available or he gives me the same answer. 
My wife is XXXX and I need this money to help us move into our new home. 
It will move things along more quickly before the weather changes Please help us. 
I have nowhere to turn.. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on the date XXXX I sent a letter stating that this agency is in violation of 15 U.S.C 1692g. This agency fail to respond satisfactorily with deletion of the accounts that are reporting on my credit report it has been over 45 days later and I have not received a response. I truly feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been well over 45 days so they should be deleted. I demand these accounts be deleted and to cease all collection activities immediately or I will file for litigation which I will be seeking {$3000.00} per violation for Defamation, Negligent Enablement of Identity Fraud and Violations of 15 U.S.C 1692g and XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
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 HAVE UNATHORIZED ACCOUNTS AND INQURIES ON MY CREDIT REPORT ACCORDING TO THE FCRA ANY UNATHORIZED ITEMS ON MY CREDIT REPORT MUST BE REMOVED IF NOT 100 % ACCURATE AND VERIFIABLE. PLEASE REMOVE THIS FROM MY 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 2018-01-04
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I payed my credit card on time, but because my payment fell on XXXX XXXX XXXX XXXX days it didnt go through until they day after and was charged for being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Bread Financial Holdings, Inc.
State: MI
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:
XXXX XXXX  sold the account and comenity bank took over in XX/XX/2019. I was never informed about this, comenity bank never contacted me for the payments or called. I left them Messages for months finally I got hold of someone in Customer service who took {$1000.00} Payment and informed me my Account is open and in good standing. They one day later I found out by reviewing my credit report that they closed my account months ago again without informing me ever and on XXXX XXXX their operator took my payment and inform me that account was in good standing as curtesy she waived the late fees because of the bank error. 

They defrauded me out of my money and misinformed me. comenity Bank took the money during the most awe full time when I could have used this to feed my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Reference Complaint No. XXXX On my previous complaint I stated how my checking account had a number of fraudulent charges from ( unknown to me XXXX locations in XXXX and XXXX along with a charge from the franchise tax broad, XXXX of which I had resolved with the tax broad on my own and the funds had been placed back into my account by the tax broad ) and deduction/withdrawal errors by WellsFargo which put my account in the negative. The deduction errors by WellsFargo occurred during the same time that the tax broad refunded the withdrawal they had made from my account. 

Now, on this morning XXXX XX/XX/2021 ) I called the bank to check the balance on my account only to find out that it is back in the negative again. 
I immediately went online to see what the issue was only to discover that WellsFargo has removed funds out of my account again without any notice to me.

My checking account balance is now - {$400.00}. The bank has not even given to me a comformation on the fraudulent charges claims of which I submitted, per my initial complaint. The new deduction to my account from WellsFargo states that the charge was deducted on ( XX/XX/2021 XXXX and the posted transaction shows ( REVERSAL OF EXCESS CREDIT DUE TO MERCHANT CREDIT CLAIM XXXX ), and the amount is {$410.00}. 

There are no details of exactly what the charges are/or what merchant these charges are from.

I would like to know from WellsFargo exactly from which merchant is trying to reverse charges back to me because, as stated in my previous complaint I do not have any dealings with any merchants in XXXX or XXXX. Therefore, I am requesting that, in order to eliminate another negative balance on my account WellsFargo reinstate the funds of {$410.00} back into 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
Consumer complaint received 2017-10-03
Company: URS Holding, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was contacted on XXXX, XXXX and XXXX by Alltran Financials ( the company name they gave me ). They were looking for my brother who does not live with me and never has lived with me since we were children. I told them that he does not live with me and to stop calling me. Their return phone number is XXXX which is used by United Recovery Systems - a debt collection agency. I do not have any outstanding debts but they keep calling me and harassing me about my brother 's debts. I have already told them he does n't live with me and to stop calling me but they still call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: Experian Information Solutions Inc.
State: NY
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 have attempted to investigate and remove inaccurate information from my credit report and the credit bureau has not conducted a correct investigation to fix the problem.

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 2021-05-16
Company: EQUIFAX, INC.
State: NC
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 received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I ( along with 3 family members XXXX received prepaid {$100.00} Visa XXXX  cards in XX/XX/XXXX purchased at a XXXX store in XXXX, OH. The website listed on the card is XXXX and the contact number XXXX. 

The card has been in my possession, unopened in the packaging since receipt. When I tried to access the card online on XX/XX/XXXX, the website states another person has already registered the card and used all the funds in XX/XX/XXXX. I contacted the other recipients of these cards and they all experienced the exact same issue. The funds were stolen from their unopened cards. If this happened to all 3 recipients in our case I imagine many others were negatively impacted. 

I contacted the card processing agency at XXXX and spoke with a manager named " XXXX '' who informed me they could not help unless I had the original purchase receipt for the card. I do not have this as it was a gift, a very common use for these types of cards. I contacted the gift giver and they no longer have the receipt for the card. I still have the physical card and all the original packaging in my possession. 

When I asked XXXX how someone could register my card and use all funds without the physical card she replied, " hackers have access to all kinds of things on the internet. '' She also stated that this is a reoccurring issue with their cards. My guess is that a data breach occurred and information for multiple cards was lost or the processing company is illegally selling the information secondhand. 

I asked for any possible resolution to prove I'm the rightful card owner ( the physical card, the packaging, or any of the corresponding identification numbers ) and regain the stolen funds, however the agents refused to help in any way other than the original purchase receipt. This does not seem like a fair practice to the consumer as people do not typically receive a receipt with a gift card. It allows the company to skirt responsibility for widespread fraud perpetuated with their product.

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 2017-07-07
Company: Experian Information Solutions Inc.
State: TX
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 've filed multiple requests for incorrect data from XXXX XXXX on my Experian credit report to be corrected or DELETED. This data is for the XXXX XXXX XXXX Account # 's as listed on the attached copies of my credit reports. These two accounts were both PAID IN FULL on XXXX XXXX XXXX and confirmed by the attorney representing XXXX XXXX ( see attached letter from attorney, dated XXXX XXXX, XXXX ). It 's been well over 80 days since I filed my recent complaint on XXXX XXXX, XXXX and the data has still not be corrected on my report. Over the last several months XXXX XXXX has posted multiple incorrect dates the most damaging being on one of the accounts with the date of XXXX XXXX as the last pay date and last date of " in collection status '' and the other account with a XXXX XXXX date. As a result these incorrect entries have damaged my credit score and  ability to secure a refinance on my mortgage. I 'm requesting both accounts be DELETED based on the FCRA rules and time limitations on correcting errors on Credit Reports. Again ... These two accounts were paid in full on XXXX XXXX, XXXX and confirmed by their attorney, via the attached letter!

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 2017-10-06
Company: Experian Information Solutions Inc.
State: NC
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 have disputed a XXXX XXXX Credit Card account on my XXXX, Experian, and XXXX accounts several times. Each time I dispute the discrepancies for the last day of activity, close date, and payment history, and the disputes are returned as verified. I have sent a dispute online and also mailed a dispute letter requesting validation of this account. XXXX, and XXXX has failed to investigate this account and continues to report inaccuracies on my credit report. 
According to my research, XXXX XXXX is reporting to XXXX : a closed date of XXXX/XXXX/XXXX, high balance of XXXX, and last date of payment XXXX/XXXX/XXXX, but no payment history. 
XXXX is reporting no close date, date of last payment XXXX/XXXX/XXXX, and no payment history. 
I am concerned that these accounts may not belong to me and/or the reporting to the credit bureaus may be inaccurate. XXXX XXXX has failed to provide any validation of this debt so I am submitting a complaint.

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 2021-05-16
Company: TOLL BROTHERS INC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had a short sale on a property in 2013. It is no longer on my credit scores, however, the company I am trying to obtain a mortgage from has a report/record from somewhere about that short sale. What can I do? I resolved the issue and have been in good standing with my payments reflecting an excellent credit score. 

The company is TBI Mortgage. As I am having a home built in a community, I have to go through the builder 's lender for approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citi closed my BrandSource store credit card without notice or my request while still having an outstanding balance. I would like the account to be reopened so that I can continue to use the card. When I called Citi they could not explain why it was closed and i received no notice of closure by the card issuer.

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 2021-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 mailed TransUnion my dispute letters over thirty days ago and this company has yet to respond which is a violation of the FCRA. I also did not give this company my permission to furnish these negative items on my credit report which is a violation of 15 USC 1681 I am entitled to {$1000.00} per violation.

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 2022-04-04
Company: Experian Information Solutions 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 have multiple addresses reporting to my consumer report, that do not belong to me. I believe this is attributing to the negative items on my report, that are troubling my experience while trying to purchase a home. They need to be removed immediately. 


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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 2017-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have disputed a XXXX XXXX Credit Card account on my XXXX XXXX, and Transunion accounts several times. Each time I dispute the discrepancies for the last day of activity, close date, and payment history, and the disputes are returned as verified. I have sent a dispute online and also mailed a dispute letter requesting validation of this account. XXXX, and transunion has failed to investigate this account and continues to report inaccuracies on my credit report. 
According to my research, XXXX XXXX is reporting to Transunion : a closed date of XXXX/XXXX/XXXX, high balance of XXXX}, and last date of payment XXXX/XXXX/XXXX, but no payment history. 
XXXX is reporting no close date, date of last payment XXXX/XXXX/XXXX, and no payment history. 
I am concerned that these accounts may not belong to me and/or the reporting to the credit bureaus may be inaccurate. XXXX XXXX has failed to provide any validation of this debt so I am submitting a complaint.

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 2022-04-04
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX agreed to delete their accounts from my credit reporting after settlement but they have yet to do so. Please delete as this was part of our deal.

Company response to consumer: Closed with explanation