BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-30
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: Information belongs to someone else

Complaint:
I disputed the account XXXX ( XXXX   XXXX XXXX ) {$1000.00} with Equifax, XXXX and XXXX  and the incorrect information is still there. I do not know who XXXX ( XXXX  XXXX XXXX ) {$1000.00} is. I have never signed an agreement with XXXX ( XXXX  XXXX XXXX ) {$1000.00}. They should NOT be on my credit profile. 

I disputed the account XXXX ( XXXX XXXX ) ( {$140.00} ) with Equifax, XXXX  and XXXX  and the incorrect information is still there. I do not know who XXXX ( XXXX XXXX ) ( {$140.00} ) is. I have never signed an agreement with XXXX ( XXXX XXXX ) ( {$140.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  ( {$3500.00} ) with Equifax, XXXX  and XXXX  and the incorrect information is still there. I do not know what this XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX ( {$3500.00} ) account is. I have never signed an agreement with XXXX XXXX XXXX XXXX/XXXX XXXX XXXX ( {$3500.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX XXXX ( {$180.00} ) with Equifax, XXXX  and XXXX  and the incorrect information is still there. I do not know what this XXXX XXXX XXXX XXXX ( {$180.00} ) account is. I have never signed an agreement with XXXX XXXX XXXX XXXX ( {$180.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX XXXX XXXX ( {$3100.00} ) with Equifax, XXXX  and XXXX   and the incorrect information is still there. I do not know what this XXXX XXXX  XXXX XXXX XXXX ( {$3100.00} ) account is. I have never signed an agreement with XXXX XXXX  XXXX XXXX XXXX ( {$3100.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX XXXX ( {$1000.00} ) with Equifax, XXXX  and XXXX   and the incorrect information is still there. I do not know what this XXXX XXXX  XXXX XXXX ( {$1000.00} ) account is. I have never signed an agreement with XXXX XXXX  XXXX XXXX ( {$1000.00} ). They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 The errors still exist

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: EQUIFAX, 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 advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy : Voluntary XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX/XXXX   Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX  : XXXX, GA XXXX Equifax : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX  : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
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 advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy : Voluntary CH-XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX  : XXXX Transunion : XXXX, XXXX XXXX  : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX  XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX XXXX  : XXXX Transunion : 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 2018-08-20
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was on paypal account and they offered me a credit line I read the info It said if approved use immediately an can be used at many stores also XXXX. I got approved the XX/XX/XXXX an it declines me EVERYTIME. I've called 10plus times they all say you have available funds it's the merchant call them. Well again I CALLED today an was told I had to add bank account to XXXX an use for all purchases for months to prove. I'm a good customer then they will stop decling credit .they ran my credit dropped my score 12points so I told them close it they haven't. I also got ebay mastercard same bank syncbank. An paypal is also in control of it I had no clue. They claim use anywhere mastercard is accepted. But it will not work either also dropped credit score.  I've called so many times I get transferred 3 or more times nobody will explain why I can't use it. It's fraud an false advertising. They also ran my credit 2 times while back for XXXX card I had no clue I was applying for told them close acct they didn't an it is not usable either. Reports of same issues all over XXXX reviews. They are scamming an DESTROYING PEOPLES CREDIT. I had a score in 700s now it's down 670s because of them. They run credit without approval if u ever apply for acct. Help

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 2021-06-24
Company: AmerAssist A/R Solutions, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I sent a letter to AmerAssist an invoice for XXXX for violating my rights under the Fair Debt Collection Practices Act pursuant to XXXX. It has been well over 30 days since I have sent this letter through XXXX XXXX  and I have yet to receive a response from them. Since they have decided to stay silent for so long I have no choice but to take there silence as admission of guilt, and am holding AmerAssist liable for this debt of XXXX that can be payable by check tp the address attached to the invoice sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AR RESOURCES INC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2018 {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX told them account was not my no response was giving

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Experian Information Solutions Inc.
State: IN
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:
An account reporting as a collection and open is reflecting on all three major credit reporting agencies with a balance of {$840.00} as of XXXX2017. This account did not derive from a consumer credit transaction, contract, or agreement and should not be listed on my credit report as a collection. I have not received any communication on such said overpayment. Per the Attorney General is upward of 31 states including my State Indiana, debts that do no derive from consumer credit transactions should not be reported to CRA ( credit reporting agencies ). XXXX XXXX & Experian are all three violating my rights by reporting these transactions. In addition the contact phone number for this account that is reflected on my report is a non working XXXX number XXXX that does not provide any further contact number to reach the listed account information provider ( Dept of Veteran Affairs )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Because of a return of merchandise purchased on my Home Depot consumer credit card, which is administered by Citibank, the account ended up having a negative balance ( credit ) in the amount exceeding {$1000.00}. 

I called Home Depot card customer service around XX/XX/2018 and requested that the balance be transferred to my checking account ( same account Home Depot card has on file that I use to pay my monthly balance ). I was told the credit will take a few business days. 

No funds have been transferred, and I called again today, XX/XX/2018, to inquire. I was then told that because the amount is over {$1000.00}, it might take up to 17 days for the transfer. 

Why is Home Depot card holding on to my cash for so long? 

When it comes to paying my monthly balance, regardless of the amount, my payment usually credits to my account within a couple days. When it comes to the reversed transaction, the company is dragging their feet to maximize the time they are in possession of my cash.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: GreenSky, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I was approved for 12 months zero interest. However, I was charged 24.99 % monthly revolving interest rate on {$5700.00}. I was charged interest. My total balance did not reduce by the total monthly payment on XX/XX/2018. My monthly statement indicates interest was charged and my total balance reflects that charge of interest. 

This is misleading and confusing, because the promotion was for zero percent interest for 12 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
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: Information belongs to someone else

Complaint:
The accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed FTC report which has been ignored by you. These accounts were. opened without my consent. Please remove and correct this information on my credit report immediately. 

XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX. XXXX XXXX {$0.00} XX/XX/XXXX XXXX  XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$12000.00} XX/XX/XXXX Inquires XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Tracking details to the second set of letters I send out Tracking Numbers : 1. XXXX 2. XXXX 3. 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 2018-11-10
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2018 I filled out an online request on XXXX XXXX for a Home Equity Debt Consolidation Loan, and within minutes a Spokesman from Quicken Loans called me, and we started discussing a home equity cash out loan. He then connected me to a refinance loan so-called specialist who I immediately informed my situation to, and Asked him good and well ( CAN YOU HELP FOR SURE ) and I was given a yes indeed answer. I don't think he could tell I was XXXX-XXXX at that time, so I sent my personal info to him by email, and last years tax info as well and asked him to analyze before running my wife and mine Credit report as this was bery important to us as we had had some issues with a previous mortgage company and needed to know if there was a reason to go forward and therefore run our credit making a Hard Inquiry pull. He informed me that same evening that everything looked good, and he need credit report pulled to continue, now we were informed that all we needed was a XXXX credit score to qualify, and we exceeded that, so he said I will call back with interest rate and etc. to get paperwork started, but then he did call back and started that ... ... ..well we need to get credit a lil better so we may need some credit repair, this was a direct contrast Lie to what he told us, and I said we will not be doing no credit repair or pay for anything other than an Appraisal to be done, the not long after I said that, he called back telling us he can not do the Loan, even after telling us that everything was Good to Go with our initial qualification

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
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 and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 informed the company by letter several times over the last several months of fraudulent use of my credit and requested they remove inquiries from an attempted purchase. To date I have not received a response and the inquiries still remain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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/XXXX XXXX i was inquired by XXXX XXXX i have no knowledge of this such actions and would like if they were taken off my credit report .... i called XXXX XXXX they looked under my credit report and couldn't find it also..

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 2021-02-22
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I disputed the account XXXX ( XXXX   XXXX XXXX ) {$1000.00} with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know who XXXX ( XXXX  XXXX XXXX ) {$1000.00} is. I have never signed an agreement with XXXX ( XXXX  XXXX XXXX ) {$1000.00}. They should NOT be on my credit profile. 

I disputed the account XXXX ( XXXX XXXX ) ( {$140.00} ) with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know who XXXX ( XXXX XXXX ) ( {$140.00} ) is. I have never signed an agreement with XXXX ( XXXX XXXX ) ( {$140.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX XXXX XXXX XXXX ( {$3500.00} ) with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know what this XXXX XXXX XXXX XXXX XXXX XXXX ( {$3500.00} ) account is. I have never signed an agreement with XXXX XXXX XXXX XXXX XXXX XXXX ( {$3500.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX XXXX ( {$180.00} ) with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know what this XXXX XXXX XXXX XXXX ( {$180.00} ) account is. I have never signed an agreement with XXXX XXXX XXXX XXXX ( {$180.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX XXXX XXXX ( {$3100.00} ) with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know what this XXXX XXXX  XXXX XXXX XXXX ( {$3100.00} ) account is. I have never signed an agreement with XXXX XXXX  XXXX XXXX XXXX ( {$3100.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX XXXX ( {$1000.00} ) with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know what this XXXX XXXX XXXX XXXX ( {$1000.00} ) account is. I have never signed an agreement with XXXX XXXX  XXXX XXXX ( {$1000.00} ). They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 The errors still exist

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 2018-11-10
Company: U.S. BANCORP
State: WI
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
XX/XX/XXXX, I cashed out my deceased wife 's IRA. They said they would mail the check. I waited 8 weeks. No check. No call. Finally, my patience wearing thin, I called the bank. I heard a number of excuses ... " I think they lost it '' ... " They probably forgot you '' and the official line after a later call-back was " Some of the paperwork is illegible, so you have to come back in and re-sign some stuff ''. I did so on XX/XX/XXXX. And then waited some more. Two more weeks passed. No check. No call. I called back again and was told on yet another call-back that they " process these in the order they receive them, and sometimes they take time. But I'll put a rush on yours ''. I waited again yet another two weeks. Still no check. No call. I had been dealing with personal banker XXXX XXXX. Now I called YET again and spoke to Sales & Service Manager XXXX XXXX. I was told there had been a issue with the EIN number. I was assured that this would be resolved, " But it will take some time. '' I called AGAIN XX/XX/XXXX and requested that someone call me back with a status update. While on the phone, I was told they " transposed numbers on the documents, but that's been fixed, and we'll get you a timeline. '' No call-back. And of course, still no check. I've been waiting 12 weeks now ...

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 2020-06-30
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I received a promotional email from American Express Serve ( American Express XXXX XXXX  " XXXX  '' ) stating if one cashes their stimulus check through Indigo ( XXXX XXXX XXXX  ) the promotional code " Stimulus10 '' will get you a bonus of 10 . 

I cashed 2 Federal checks over XXXX ( one as a stimulus ) and the funds were not added as the promotion stated. 

On the promo expiration date I called customer service for Serve and spoke to XXXX XXXX off shore in the XXXX who stated there was no promotion on this date. 

We spoke about XXXX XXXX  EST.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-03
Company: CURO Intermediate Holdings
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 do not recognize the following hard inquiries. 

Date Company Address XX/XX/2019 XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XX/XX/2019 XXXX XXXX  XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation