BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 asking that the Credit Bureaus to investigate XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX for materials forwarded to three credit bureaus for me XXXX XXXX XXXX as there may be issues with unsubstantiated accounts. I have seen errors in certain existing data. I respectfully demand that the transmitted data or documentation be provided. Also please include supplement materials which verify that the accounts were established legally. I do not want just a cursory account history, or address matching. I have requisitioned a detailed verification. If you can not meet these reasonable requests during the month ( 30 days ) following receipt, account summaries transmitted by the companies mentioned above must be considered false and may bespeak a statutory violation. In this case, they must be deleted without delay.

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 2017-07-12
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: Public record information inaccurate

Complaint:
I wrote to Transunion on XXXX XXXX asking that a Federal Tax lien dating back to 2010 be removed as it exceeds the maximum 7 years which a derogatory items can be shown on the credit report. I got no response and a recent credit report shows no change.

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 2017-12-30
Company: Golden Green Services LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a loan at an XXXX XXXX XXXX store in XXXX, Wisconsin and then the store closed. They never notified me that the store closed. Then they took money out of my bank account also without any notice and they had never done that before. So I drove by and found out the store was closed. Then I received my contract back, paid in full XX/XX/XXXX. After that, another company ( Golden Green Services ) took money from my bank account. I disputed the debt and requested debt validation by certified mail  within 30 days of discovery, which was accepted by Golden Green Services on XX/XX/XXXX. I also asked in the certified letter to only be contacted by mail. Since then I received an email from Golden Green Services with the XXXX XXXX XXXX contract with the Golden Green name superimposed on it. And now XXXX XXXX XXXX is calling me at home and at my work and they threaten to keep calling my work number.

Both companies are claiming the same debt which is why I requested debt validation in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze/unfreeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
There is a Bankruptcy on my credit report dated XX/XX/XXXX. Doing a proper search of the official publicly available court documents shows This Bankruptcy does n't meet the National Consumer Action Plan data Guidelines of XXXX that went into effect XX/XX/XXXX stating in short that the 4 identifiers earmarking the record are clear and present indicating the validity of the record. Additionally a recent online search as of XX/XX/XXXX shows that there is no current data on the XXXX website ( see attachment ) showing NO DATA as regards any federal court ruling against XXXX XXXX in the state of California from XX/XX/XXXX to XX/XX/XXXX, further corroborating that fact that any such records have been removed, vacated and or found to be null and void.

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 2017-07-12
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: Public record information inaccurate

Complaint:
There is a Bankruptcy on my credit report dated XX/XX/XXXX. Doing a proper search of the official publicly available court documents shows This Bankruptcy does n't meet the National Consumer Action Plan data Guidelines of XXXX that went into effect XX/XX/XXXXstating in short that the 4 identifiers earmarking the record are clear and present indicating the validity of the record. Additionally a recent online search as of XX/XX/XXXX shows that there is no current data on the XXXX website ( see attachment ) showing NO DATA as regards any federal court ruling against XXXX XXXX in the state of California from XX/XX/XXXX to XX/XX/XXXX, further corroborating that fact that any such records have been removed, vacated and or found to be null and void.

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 2017-12-30
Company: EQUIFAX, INC.
State: LA
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 tried on multiple occasions tried to have hard inquiries that where unauthorized removed from the reporting credit bureaus. I have sent letters, called, and everything Im not sure what else to do its making it hard to obtain credit. I have copies of the letters if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: EQUIFAX, 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: Problem getting your free annual credit report

Complaint:
I never requested to freeze or extra security to my credit reports. And this is not the first time, I want this arbitraire move to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Hello, Some one used my Best Buy credit card to buy a laptop worth {$1700.00} at New York Best Buy store on XX/XX/XXXX. I wasnt alerted of the fraud for that purchase. I was at the work so didnt check my personal emails. After some time they tried to do another transaction for {$660.00} which got declined and alerted me of fraud. I responded to the text right away saying it is fraud and called the provided number on the text. Person on the call told me there is another transaction too for {$1700.00}, I confirmed that I never used the card that day and I was at work and request to cancel that card and send me a new card. Person from Citi bank said that she will dispute the charge and get them removed. The charge which were initially removed and then I received a statement on XX/XX/XXXX with {$1700.00} which was added back to the balance saying that is not fraud. I called the security team on Monday XX/XX/XXXX explaining everything, they said they will look into it and if the investigation comes back not fraud then I am supposed to back the amount. Please resolve this issue. On XX/XX/XXXX I was physically at work in New Jersey as I work in a hospital and didnt go to XXXX XXXX that day. Please check the security cameras of the store for the scammers.

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 2020-06-06
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: Information belongs to someone else

Complaint:
Experian refuses to remove and correct incorrect information on my credit report. They are in violation of the FCRA.

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 2019-06-12
Company: EQUIFAX, 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:
I have faxed emailed and had a telephone conversation with the Equifax Fraud department since I was a victim of the security breach and a victim of identity fact. Unfortunately each time since XX/XX/2018 Equifax refuses to block the fraudulent items after I have sent identity theft.gov police report and basically every piece of information theyve asked for. Equifax being the cause of my personal security being breached should have accountability and hold accountability to blocking fraudulent items and they refused to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
Recently synchrony bank purchased XXXX from XXXX. I set up a payment .... which was paid and not late .... synchrony reported the account late WHICH WAS NOT THE CASE AND THEY BILLED ME LIKE TRIPLE MY MONTHLY PAYMENTS .... when i called i was told nothing can be done even though it was their overtire from the transition from XXXX  to synchrony ... ..i have had this account for almost three years and never late ... .the rep for synchrony didnt even give the right information ... i basically told her more than she knew ... ...

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 2017-07-12
Company: EQUIFAX, INC.
State: SC
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:
Have compliant to Equifax that the name XXXX XXXX XXXX appearing on the file is fraud and should be removed. There is also a account under the name XXXX XXXX that is fruad and they have sent me letters reflecting they have request the Equifax should remove this from my file but they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX my Purse was stolen while on vacation in XXXX XXXX while dining at XXXX XXXX. The content of my purse included my Wallet, Cell phone, passport and over {$600.00} in cash. Once I returned to the United states, I noticed unauthorized transactions on my credit card and debit cards. 

I contacted well Fargo regarding the fraud transactions. I filed a claim with XXXX XXXX on XXXX XXXX 2022 for {$1600.00} I was told it would take 10 days to investigate the claim. After 10 days, I receive a letter stating the claim was closed and it did not appear as fraud. The letter read : telling me that they believe the transaction was made by me or someone authorized by me. 

After receiving the letter, I reached out to Wells Fargo to have this claim reopened. After speaking with a representative and explained that my phone, Wallet and passport was in my purse and stolen, She stated, she would get this case reopened. I followed up with Wells Fargo after on XX/XX/XXXX. and I was told that my claim would not be reopened and they did not need to disclose the reason for the denial. Then I was told they would send me a request for Documentation and it will take 30 days to get the request form. 

I asked to be transferred to a resolution specialist. I was then ask to send it the police report and other documentation showing the property I was staying at the time in XXXX. I submit this information on XXXX XXXX. 

I contacted Wells Fargo on XXXX XXXX to make sure they received all the documentation. I was told they received the proof and documentation but the claim will remain closed. 

I have repeatedly asked what else do they need to prove these transactions were fraud and I did not authorized anyone to use my card for a hotel room or to withdraw money from an ATM. 

After submitting all the request information, My claim was still denied. I'm not if XXXX because my bank do not care I was robbed. I was told to contact the police department and they could possibly help me. The Police department told me to contact me bank due to the 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 2021-09-21
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: Was not notified of investigation status or results

Complaint:
I sent out a dispute letter in regards to my credit report and never heard back from the credit bureaus.

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 2019-10-09
Company: SYNCHRONY FINANCIAL
State: MN
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:
Synchrony bank - Walmart Credit Card Account Number - XXXX Credit Limit - XXXX Comments - Transfered to another lender XXXX and XXXX collected on this credit card, and this was paid in full on XX/XX/2019 to them. Im unsure why a year later this has not been updated, as they have stated that they have closed my account and never reported anything 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 2021-10-04
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: Was not notified of investigation status or results

Complaint:
Over 60 days ago I sent the credit reporting agencies a letter regarding some information on my consumer report that I never consented to be reported. I have been patient with my time but enough is enough. The FCRA stated that any disputes should be completed within 30days. I don't see where the law that is allow 45 or 60days to respond if so please show me in writing or else I expect a response to my complaint immediately!!! I as a natural person ( consumer ) who is protected under federal law demand these accounts to be removed from my consumer report. There is a clear violation that the law has been broken, I'm tired of my request being ignored so something needs to be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: EQUIFAX, 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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: CITIBANK, N.A.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After receiving an automated Email from my bank stating I owed {$180.00} due on XX/XX/2021 I knew something was wrong with my account, so I contacted my bank to find some answers. During that phone call, the associate I talked with stated the charges came from a {$30.00} late fee ( 1 day late payment from XX/XX/2021 ) as well as my XXXX monthly payment. When I told the associate that the numbers didn't add up and the {$180.00} was incorrect and there was no way I owed what they were claiming and something was wrong with my account, I was going to be put on hold so my account could be looked at. Instead I asked to be called back as I would use the time as well to look at my records. They agreed and the call ended. They never called back, instead, their in-house collection department called me in an attempt to collect on an outstanding debt in the amount of {$180.00}. While I was talking to the first agent that called I again explained that the amount was incorrect and my account needed to be looked at. Instead of helping me they said I owed {$180.00} and could I make a payment. I said no and the call ended shortly thereafter. After several calls back from the same department demanding payment of {$180.00}, I finally had to tell them to stop calling me unless someone was going to help fix my account. No more phone calls from anyone. When I called my bank on XX/XX/2021, trying for the final time to clear my account and after spending 55 minutes going round and round with the collection department, I found out my real XXXX payment was only {$82.00}. If you add the late fee of {$30.00} it's only {$110.00}. Far different then the {$180.00} they spent the month of XXXX trying to collect from me. It's simple math and the numbers don't lie. After almost an hour of round and round I finally had enough and told them to close my account so they couldn't keep adding on additional fees and fines. Despite proof in numbers they still wanted {$180.00} to clear 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 2017-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 tried on multiple occasions tried to have hard inquiries that where unauthorized removed from the reporting credit bureaus. I have sent letters, called, and everything Im not sure what else to do its making it hard to obtain credit. I have copies of the letters if needed.

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