BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-26
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
An account generated by Wells Fargo encompasses a substantial line of credit used to buy a one time purchase of a air conditioning and heating system. They issued a credit card that lower myXX/XX/XXXX score by more than 40 points because of my high usage of the card, even though the initial purchase of the installed HVAC equipment, was in excess of {$20000.00}. My credit reports still show a excessive use of this card in the area of 67 %. That and another card issued from another financial institution, continue to keep myXX/XX/XXXX static. I submit this Wells Fargo account should be categorized as an " installment loan, and not as a charge card. I don't think I will be buying anymore {$20000.00} air condition and heating in my lifetime.

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 2021-04-30
Company: World Acceptance Corporation
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The account was apart of my bankruptcy which was dismissed. Contact them multiple times to remove of credit report for the past two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
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 Reviewing my updated letters from the reporting agencies, they have not removed my unauthorized inquires when I specifically stated it violated the law. FCRA 15 U.S.C 1681b states they must have a permissible purpose. Yet they have shown proof of the unauthorized inquiry. This has been stressful. The last time I submitted a complaint they stated it was it wasn't authorized so I'm complaining again. They are saying that to stall. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in their file, and they have not done that. This is my second time disputing and filing a complaint about the information that is unauthorized. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). I can not wait for another 30 to 45 days to get these items removed. Please help! Please don't say this isn't me filing the 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 2021-07-13
Company: EQUIFAX, 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:
2 DISPUTE LETTERS WERE SENT VIA CERTIFIED LETTERS TO THE AGENCY AND WERE DELIVERED ON XX/XX/21 AND XX/XX/21. THE AGENCY HAD 30 DAYS FROM THE RECEIPT OF THE LETTERS TO NOTATE THE ACCOUNTS AS QUESTION AS DISPUTED BY CONSUMER AS PER THE FCRA GUIDELINES. THE AGENCY FAILED TO MARK THE ACCOUNTS AS DISPUTED BY CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
So I was told by the XXXX, Equifax, XXXX, and XXXX that they have verified a public record on my credit report. XXXX, XXXX, and Equifax all claim to have verified this information with their third-party vendor XXXX who also uses a third-party vendor to verify their information known as XXXX. I recently received information from a dispute with XXXX and they reported that they verified a chapter XXXX bankruptcy filed on XX/XX/2016 and discharged on XX/XX/2016. The problem is all 3 bureaus have different information but they all reported on the record that they verified this information with XXXX. It is my right to have accurate information about me reported and since it has not been properly done I want the information removed from my credit profile or I will get a lawyer and sue each bureau for placing false inaccurate information on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I requested a wire transfer from my Goldman Sachs " XXXX '' savings account to my stock broker at about XXXX on XX/XX/2022. As of XXXX XX/XX/2022 this has not occurred. 

The funds in the account are well aged, and there is no excuse for the over 24 hour delay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-24
Company: EQUIFAX, INC.
State: FL
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 have an existing mortgage with XXXX, I have paid EVERY payment, I am current, but XX/XX/2021, I called XXXX to INQUIRE about my options with A.- refinance at a lower rate B.- modify to remove PMI ... AT NO POINT, I asked or AGREED to a CREDIT PULL of any kind, I was NEVER INFORMED that XXXX was doing a credit pull WITHOUT MY KNOWLEDGE or consent... 

and they lowered my score from XXXX very good, to XXXX just good... as a matter of fact I wanted to checks their rates, because I AM SHOPPING around for the best rates FOR ME based on a XXXX score!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Last year I went to SEE optical to purchase glasses, without my knowledge they opened a credit account in my name and charged the glasses on that account. I then left to work in XXXX, when I returned a few months later Synchrony bank contacted me and told me I owed {$1300.00} for the glasses so I told them I wanted the account paid in full and to close the account, I then returned to XXXX and upon returning 4 months later they told me that my account was overdue {$3.00} and they submitted a late payment to XXXX. I paid the {$3.00} and requested that they ask XXXX to remove the late payment from my credit record but this never happened. I've contacted each institution 3 times requesting to remove this and each time they tell me they will submit a request but nothing happens. This is the last correspondence from XXXX. 
Account Dispute Update XX/XX/2019 We have an update about your Account Dispute The dispute for the account with SYNCB/SYNC BANK CARD that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to XXXX that the information is accurate. We will notify you when all of your pending disputes have been completed and the full results are ready to view. Review your latest Credit Report to help ensure the information on your Report is accurate. 
Synchrony did not close my account when I told them to do so and then charged me {$3.00}. They stated several times that they would get it removed but never do so. They will not give me my account number because the account is closed. This has decreased my credit score 80 points and is severely effecting my life in a negative way.

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 2017-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
1. TransUnion 2. XXXX 3. XXXX The/XXXX  I 'm authorized XXXX XXXX is primary account I  am an authorized user on these accounts or cards and you still have n't place them on my credit file. I would like for you to immediately place the accounts on my credit report please. The card user contacted you several times and authorized me on the cards for all 3 bureaus but you never performed the task by placing me on the accounts why is it taking long. 

TransUnion and XXXX accounts not reporting : 1. TheXXXX Opened XXXX XXXX balance is {$2100.00} 2. XXXX XXXX opened XXXX/XXXX/XXXX {$3300.00} reports on the XXXX of the month good standing on all of my payments current last payment XXXX XXXX. XXXX XXXX accounts not reporting 1. XXXX XXXX Opened XXXX/XXXX/XXXX {$3300.00} reports on the XXXX of the month good standing on all my payments current good standing. Last payment 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 2023-11-03
Company: Affirm Holdings, Inc
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I purchased tickets through a ticket vendor and used Affirm.com to use the installment option to [ pay off the ticket over time in XXXX. 

At the time of the concert, the XXXX XXXX had no record of purchase - the tickets were not released ( I did not attend the concert ) I contacted Affirm a number of times to address the issue, but they were unable to resolve the issue- every time I called it to seem I was making a new request- not giving me a confidence level that the issue was being addressed. 

Today I received a charge office notice. 

My request from Affirm was to confirm that I received the ticket from the vendor- I leveraged not to pay the cost of the ticket because I was disputing the charge and was not confident if I paid and the issue was resolved, I would be reimbursed based on my interaction with Affirm- I have used Affirm many times and have not had any issue with payments for merchandise and services I have received. 
Loan number XXXX {$330.00} The document uploaded shows the # I was given to retrieve the ticket shows the ticket did not exist

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.

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 2023-09-13
Company: Experian Information Solutions Inc.
State: MA
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:
Credit card is showing on my account that a court has issued a judgment in MY FAVOR. This account needs to be removed. The company stated in the last complaint it was removed but it is still showing.

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 2022-01-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pulled my Equifax Credit report and has been going back in forth with them disputing fraudulent accounts that they are reporting. The following accounts do not belong to me ; XXXX XXXX XXXX XXXX ( fraudulent charge off account ) XXXX XXXX XXXX XXXX ( fraudulent collections account ) XXXX XXXX XXXX XXXXXXXX ( fraudulent credit card ) I have never done business with the creditors or originators of these debts. I have supplied Equifax and these creditors with supporting information and still to date I have not received any mail or phone correspondences. 

I have asked Equifax numerous times to provide me with the proof they have to verifies these debts belonging to me, and they have failed to do so ...... 

Also Equifax has my name spelled wrong on my credit report so how did they even verify these debts belong to me .... please see all uploads

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: CT
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:
XX/XX/22 Received a notification from Experian that there was a hard inquiry added to my credit report. I did not apply for any new credit cards so I checked my report and found that someone tried opening a credit card with XXXX XXXX XXXX. I contacted the bank that same day and they canceled the application and did not mail out the credit card. The credit card application information was fraudulently completed and the thief used my maiden name to try and open it. 

XX/XX/22 Contacted all three credit reporting agencies and put a credit freeze on them. 

XX/XX/22 Was unable to file a police report in my town of XXXX CT because I do not have transportation ( someone stole our car recently ) and the police need me to file the report in person. 

I need the hard inquiry removed from my credit report as I am trying to buy my first home and need the best possible credit score. Per the letter from XXXX XXXX XXXX, in order to get the hard inquiry removed, I must file a identity fraud report with FTC and provide them with a copy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was emailed a response today that said they knew no knowledge of any dispute. Now they lied and I have proof of their knowledge and deleting it off my credit report and now placing it back on. It was sent for reinvestigation as you can see then my results came back on XX/XX/2018 and was deleted. The photo I submitted proves I am correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
Due to unwillingness to secure their databases properly, Equifax ( and more importantly the individuals whose personal data they keep ) fell victim to a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Information on some XXXX and up to 44 million XXXX residents was also compromised. The breach was originally discovered on XX/XX/XXXX although it was not publicly reported until XXXX XXXX, 2017. Equifax executives sold {$1.00} million of their personal holdings of company shares days after Equifax discovered the breach and more than a month before the breach was made public. I too fell victim to the attack and have had my personal data compromised. It is unacceptable and outrageous that a company in charge of protecting such vital information for millions of people could allow something like this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: EQUIFAX, 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:
The below listed student loans that are being reported within my credit report is inaccurate account information. I have never been to college or took out student loans. It is not clear to me how these student loans could have become merged within my credit file. Perhaps it was the result of a mixed file incident on behalf of you, the credit reporting agency or the original creditor. Whichever it is, the fact remains, these student loans are incorrect payment history information. I sent out my first complaint on XX/XX/2021, no response. I sent the next letter on XX/XX/2021 and still no response. I gave them a call the following week and got no update on the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Shellpoint Partners, LLC
State: NE
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I made an application to the Nebraska Homeowners Assistance Fund and the application was approved in XXXX. The people from XXXX have been trying to communicate with our mortgage lender and servicer which is Shellpoint Mortgage Servicing for over two months now. They have sent electronic communication to Shellpoint requesting amounts due on the mortgage so they will be able to send funds for the delinquent mortgage but Shellpoint has not and will not respond at all. We have called Shellpoint over a dozen times and three way called them with the XXXX and they keep telling us they have no way of seeing if they received any communication. Shellpoint keeps sending letters of amounts due and foreclosure warnings but will not acknowledge the approved application with the XXXX. XXXX is ready to send funds over for the mortgage that is due but Shellpoint absolutely will not respond or acknowledge them and we are scared of getting foreclosed on our home. If there is any way you can help we would greatly appreciate it. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The particular account ( MACYS/DSNB XXXX ) that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to the 3Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2023-03-16
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to express my deep frustration and disappointment regarding the negative items that have been reported on my credit report. I believe that some of the information on my report is inaccurate and unfair, which has had a devastating impact on my financial life. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. I have noticed that the following personal information is incorrect : Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have also noticed that there is incorrect information on the following account : XXXX XXXX XXXX  Account Number : XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that all erroneous and misleading information be removed from my credit report. I have suffered immense financial harm as a result of these inaccuracies, and I demand immediate action to rectify the situation. 

Furthermore, under the Fair and Accurate Credit Transactions Act ( FACTACT ), I have the right to request a free copy of my credit report once every 12 months. I expect that this request will be fulfilled promptly and without delay.

Additionally, under the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ), I have the right to be treated fairly and with respect. The current inaccuracies on my credit report demonstrate a clear violation of these rights, and I demand swift action to rectify the situation.

I am emotionally devastated by the impact that these inaccuracies have had on my financial life. It is my sincere hope that you will take this matter seriously and take immediate action to rectify the situation. I am committed to improving my credit score and would greatly appreciate your assistance in this matter.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation