BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-05
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I opened a credit card with Well 's Fargo Visa card in XX/XX/2019 and never used it. On or about XXXX I noticed a transaction for {$2700.00} from my mobile app for a balance transfer. I immediately contacted Well 's Fargo and they put me in contact with the Fraud department and the Fraud department said that they would take care of the matter. 

On XX/XX/2019 I received a letter from Well 's Fargo Claim Assistance Center Credit Card Fraud Claim stating that I was responsible for an unauthorized transaction for {$2700.00} for a balance transfer.

I never did a balance transfer with Well 's Fargo, as this is fraud. I have contacted Well 's Fargo and I keep getting the same response that someone will take care of the issue and never do.

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 2017-09-18
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Since the Equifax breach, their website for setting up a credit freeze has been completely unavailable, no matter what time of day or night. I managed to put a freeze in on XXXX and on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to request the removal of a collection account from my credit report with Experian. I have recently discovered that this collection account has been successfully removed from my credit report with XXXX XXXX XXXX XXXX and XXXX XXXX, as evidenced by the attached document. 

Account Details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Collection Account Date : XX/XX/2022 Creditor Name : XXXX XXXX XXXX Account Number : XXXX Collection Account Date : XX/XX/202XXXX 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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible 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

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 2020-07-29
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had no need of credit so paid no attention to my score for a decade after my college graduation. Start to pay attention to it and see a number of addresses and open delniquent credit accounts in my name on my credit report. I initialize disputes with all 3 major credit bureaus and they were closed without comment.

This year I can not even get my free credit reports. They ask me my information and ask me confirm my identity using my residency history, but the " correct '' answers they have on file are addresses i've never lived at.

Despite being gainfully employed and never having a single line of credit in my life besides student loans which have always been in good standing, my credit is in shambles and i'm unable to secure apartment tenancy, credit cards, autoloans, home financing etc and I seemingly have zero recourse..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: Experian Information Solutions Inc.
State: AR
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:
To whom it may concern on XX/XX/2021 I provided EXPERIAN, XXXX XXXX with a letter that was sent certified asking them to correct my personal information to match my name and address listed on my goverment issued identification. There are still incorrect personal information being reported.

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 2023-06-10
Company: Experian Information Solutions 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:
AFTER SPEAKING WITH MY CREDIT UNION REGARDING A FINANCE OPPORTUNITY IT WAS BROUGHT TO MY ATTENTION THAT THERE WAS A FRAUDULENT ACCOUNT WITH XXXX  XXXX LISTED WITHIN MY EXPERIAN CREDIT REPORT THAT I DID NOT AUTHORIZE. I AM A VICTIM OF IDENTITY THEFT PER FCRA 605B, 15 U.S.C 1681c-2 THIS ACCOUNT WAS FRAUDULENTLY OPENED BY SOMEONE USING MY PERSONAL INFORMATION SUCH AS SOCIAL SECURITY NUMBER AND DATE OF BIRTH WITHOUT MY CONSENT. I submitted XXXX XXXX police report and federal trade commission report to Experian and XXXX and they both refused to follow the FCRA guidelines.

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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : 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 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

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 2020-07-29
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: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, Original Creditor, XXXX XXXX Company Inquiries XXXX XXXX   XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: ENCORE CAPITAL GROUP INC.
State: OH
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 a collection on my account from Midland funding, total amount was {$3000.00}. I logged into my case online on XXXX and was offered to settle for one discounted payment of {$2000.00} to which I accepted and made the payment. I have attached screenshots of both the offer, me submitting the payment and the payment clearing my account. Midland updated my credit report to show that now a current balance of {$1000.00} remains and is in collections, rather than showing a {$0.00} balance & closed/settled for less than full balance or just altogether deleted from my credit report. 

I filed a dispute through XXXX on XXXX in which I provided the same screenshots provided with this complaint showing the settlement offer and my payment being made and cleared. However, today, XXXX, I just received notice that my dispute results were ready and that the information reported is accurate. However, it is NOT accurate and I provided evidence to that fact and now and am unable to dispute the debt again online.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05
Company: EQUIFAX, INC.
State: MO
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 these accounts many of times but the credit reporting agencies XXXX in particular tend to follow their own rules as oppose to the consumer laws set forth within the FCRA rule of laws. And if this problem remains un fixed then I will then take this matter up with FTC inwhom backs up the FCRA and/ or file suite . Once again I'm disputing the following accounts. # 1, XXXX  XXXX XXXX XXXX, # 2 XXXX XXXX, # 3 XXXX XXXX, on a few accounts now, for one they do not belong to me, nor do I have any contract with the above companies. However, the credit reporting agencies investigation into this matter results were " Verified As Accurate ". As my consumer right I'm requesting the Method Of Verification used in your companies coming to such an conclusion. I would like to know the name and title of your company 's representative inwhom handle my case. I would like to know inwhom did they speak with, text, email, write, fax, etc, what day and time did this communication take place. And more importantly what physical contract or any documentation that was reviewed and copied by your reporting company. Please up date my file correctly and if you nor your companies can not provide me with all the requested info above then as written in the FCRA them disputed accounts shall be removed immediately, blocked from reporting false information that is hindering me from my rightful and true credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: SECURITY FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX I reached out to the collector from XXXX XXXX XXXX in regards to my vehicle loan. I informed XXXX XXXX that the financed vehicle had been under repairs for the past 25 days due to the vehicle not starting. At that moment I had not recovered my vehicle from the dealership/shop yet. I also notified her that the initial repair costs exceeded the amount of {$800.00}. An amount close to the actual worth of the vehicle. I informed her that this vehicle was purchased at one of their dealerships on XX/XX/XXXX and I only had the vehicle for personal usage for about only 3 months before the vehicle completely broke down and could not be started. I was never offered a Warranty by XXXX within the first 90 days as advised by the seller. XXXX XXXX proceeded to tell me that the events are " too early in the agreement '' for her to offer me any options. Despite {$2000.00} plus two full payments being made on the vehicle already. She insisted several times in collecting a payment, asking me if I could make a payment the following day, after being told repeatedly that the vehicle was not under my possession and could not be driven. I assured her that the vehicle can be paid on a monthly basis as originally agreed with the exception that the damages on the vehicle are ridiculously high and the product financed ( vehicle ) can not be used for personal purposes as it is the purpose of this loan. She was also made aware that on XX/XX/XXXX an appraiser from my Auto Insurance was sent to appraise the vehicle. After this, the determination was that the vehicle was " worn out '' and " faulty ''. After one attempt of the vehicle being repaired, the vehicle was picked up on XX/XX/XXXX but failed to stay on and be driven outside the dealership. The vehicle has been identified as a risk to be driven on the road as it can shut down at any moment resulting in an accident as it happened twice before. Before our call ended, she again repeated that there were no options available at this time and threaten to damage my credit and to call back the following day with an update from the shop. However, as part of the terms and conditions of the initial agreement ( XX/XX/XXXX ) it is stated that I can ask for a deferral of the scheduled due date of all or any part of a payment. In addition, no options to change the vehicle were discussed either. I was able to pick up the vehicle later that day for a total repair costs that exceed {$1000.00} plus rental fees during the time that the vehicle was under repair ( 20 days ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Synovus Bank
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2020 my XXXX XXXX XXXX  checking account electronically forwarded {$1000.00} to the First Progress to open a secured credit card with Synovus Bank. 

On XX/XX/XXXX First Progress sent me a letter requesting for a bank statement within 15 days. 

I did not send any information then First Progress claimed that it sent my funds back to the XXXX XXXX account. My bank account does not indicate that First Progress never had sent any money to XXXX XXXX or my account does not show any funds returned prior to the account being closed on XX/XX/XXXX. 

I filed a complaint with the XXXX  XXXX  XXXX  and the First Progress stuck to its statements that my money was either returned to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Experian Information Solutions Inc.
State: MD
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 am writing to address an issue regarding a past due payment that occurred in XX/XX/2022. I kindly request your consideration in releasing this payment, as it is the very first late payment in the history of my credit, I have ever had with XXXX or any other company. 

I would like to provide some context regarding the circumstances that led to this overdue payment. It was due to a miscommunication issue that arose between me and XXXX  customer service agents. I had intended to activate a service for XXXX purposes, valued at {$90.00}, through XXXX. However, as I discovered later, the service was unnecessary as I already possessed an existing account with XXXX that provided me with the required services XXXX claimed I had used from their purchase, which is not true. Ive contacted XXXX who stated they can not email me anything stating I already have an account and did not open a new one. 

Unfortunately, during the process of canceling the XXXX loan associated with the unnecessary XXXX service, there were some challenges in effectively communicating my intentions to the customer service representatives. As a result, the service was not activated, and a payment was inadvertently missed. 

I sincerely apologize for any inconvenience this may have caused and take full responsibility for the oversight in not ensuring the timely cancellation of the unnecessary service. As a conscientious borrower who has always honored their financial obligations, I assure you that this occurrence was an exceptional circumstance. 

I kindly request that XXXX XXXX review my account history and consider releasing the 30-day past due payment in question. I firmly believe that this situation is an isolated incident and does not reflect my commitment to meeting my financial responsibilities. XXXX continues to accept new lines of credit for me even though I appeared as untrustworthy to them by inadvertently missing a payment due to a misunderstanding. Moreover, I value the professional relationship I have developed with XXXX over the course of my account tenure. 

I would greatly appreciate any assistance you can provide in rectifying this matter. Please feel free to contact me at your earliest convenience to discuss the details further. 

Thank you for your attention to this matter. I look forward to a prompt resolution, and I trust that we can find a mutually beneficial solution. I appreciate your understanding and cooperation.

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 2021-03-26
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Receivables Performance is reporting a debt that was fraudulently obtained and will not furnish me with a contract validating the debt. I have requested and disputed this information with the bureau multiple times and they have yet to validate to remove this debt after supplying the necessary evidential backing of it being fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 these accounts many of times but the credit reporting agencies XXXX in particular tend to follow their own rules as oppose to the consumer laws set forth within the FCRA rule of laws. And if this problem remains un fixed then I will then take this matter up with FTC inwhom backs up the FCRA and/ or file suite . Once again I'm disputing the following accounts. # 1, XXXX  XXXX XXXX XXXX, # 2 XXXX XXXX, # 3 XXXX XXXX, on a few accounts now, for one they do not belong to me, nor do I have any contract with the above companies. However, the credit reporting agencies investigation into this matter results were " Verified As Accurate ". As my consumer right I'm requesting the Method Of Verification used in your companies coming to such an conclusion. I would like to know the name and title of your company 's representative inwhom handle my case. I would like to know inwhom did they speak with, text, email, write, fax, etc, what day and time did this communication take place. And more importantly what physical contract or any documentation that was reviewed and copied by your reporting company. Please up date my file correctly and if you nor your companies can not provide me with all the requested info above then as written in the FCRA them disputed accounts shall be removed immediately, blocked from reporting false information that is hindering me from my rightful and true 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 2019-03-05
Company: AMERICAN EXPRESS COMPANY
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
In XXXX, 2018 my company had requested a corporate American Express card. Two days after receiving the card it was stolen. I contacted American Express and provided them with the information. Needless to say they decided to switch the account over to an individual account and made me responsible. I told them this was a credit card fraud. We only had the card for three days then I closed the account. Since then, American Express has done everything possible to destroyed my credit rating. Now my credit score went from XXXX down XXXX. 

XXXX XXXX now has the case and advised me my credit rating will go down until I agree to pay the charge. Phone number is XXXX American Express disputes XXXX My contact number - XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation