BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XX/XX/XXXX - settlement on account ( after taking advantage of my older grandmother for {$14000.00} after offering me to settle for {$8000.00} ) XX/XX/XXXX/XX/XX/XXXX - settlement letter sent from XXXX XXXX in response to XXXX XXXX request to verify the debt. ( Not received - info provided on a recorded line by a supervisor ) XX/XX/XXXX - charge off on XXXX XXXX account. 
I called and spoke to 4 different people. The supervisor, XXXX # XXXX, informed me they made a terrible mistake. He insisted he would escalate this and have it retroactively applied to my credit report to show it was paid in XX/XX/XXXX. 
Called again Various times throughout XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I asked XXXX how they can charge me off and at the same times months prior send me a settlement letter showing it was paid. That is the definition of willful neglect. To send me documents that say we no longer owe and then months later XXXX 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 2019-07-31
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:
Two fraudulent accounts have been posted on my credit and I have No association with these accounts. Ive been battling with the debt collections and telling them this is not me and its fraudulent. Its NOT my name nor my information that they have and it needs to be removed. The two fraudulent accounts posted are : XXXX   XXXX, fraudulent balance : XXXX, alert date : XXXX. 
XXXX XXXX XXXX, fraudulent balance : {$880.00}, alert date : XXXX. 

These accounts are not mine and need to be removed. Ive never worked with any of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX Card keeps showing up on my credit report and its is fraud and a scam that is not my fault I already showed them my police report and FBI report also but still they have not taken it off my credit report XXXX  Card ending in XXXX I would like this taken off my report asap

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 2019-03-15
Company: EQUIFAX, INC.
State: VA
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:
My identity has been compromised years ago and I've disputed these very accounts before. However, the 3 major credit bureaus has ignored my consumer rights that's afforded to me by the FCRA inwhich is supported by the FTC. The credit reporting agencies response to my disputes were " accounts been verified. Verified without any certified physical documentation, nor was I ever given accurate account of the process. Please provide me with the detailed Method Of Verification used in all these accounts inwhich I'm disputing and if you and/or your companies do not fully comply then you must remove, delete and/ or block the following accounts immediately as my rights vis the FCRA . The accounts are as following. 
# 1 ) XXXX XXXX {$630.00} # 2 ) XXXX XXXX  {$740.00} # 3 ) XXXX XXXX XXXX {$91.00} # 4 ) XXXX  XXXX XXXX {$0.00} # 5 ) XXXX XXXX/ XXXX # 6 ) XXXX XXXX {$6.00} # 7 ) XXXX XXXX XXXX # 8 ) XXXX XXXX XXXX {$6.00} # 9 ) XXXX XXXX c/o XXXX {$1.00} # 10 ) XXXX XXXX XXXX {$1.00} # 11 ) XXXX XXXX {$860.00} # 12 ) XXXX  / XXXX XXXX XXXX   {$31.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My sister used my personal information to open multiple credit cards, one was a Discover credit card. I had no idea she opened this card until she passed away on XX/XX/XXXX, she opened the account with my information but used her address. I contact Discover as soon as I found out and I believed that it was taken care of since I completed an affidavit of identity theft. 

On XX/XX/XXXX I went to a financial counselor to get assistance with this situation and when we looked at my credit report it shows that she had opened this account in XX/XX/XXXX, at that time I was living in the XXXX XXXX. I had no idea since I never checked my credit report. On the credit report it looks like my sister was using and paying the card on a monthly basis up until her passing in XX/XX/XXXX, the card was later closed in XX/XX/XXXX. Recently I applied for a credit card at XXXX and was denied due to this fraudulent account reporting on my credit report. 

That same day I contacted Discover and they gave me the credit bureau management department address for me to mail a letter explaining what happened and requesting for the account to be removed from my reports as it is negatively affecting my credit. I have yet to hear back from discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I had a {$50000.00} CD with Synchrony Bank that was scheduled to mature on XX/XX/18. The bank sent me a reminder notice of the maturity on XX/XX/18, I contacted the bank via phone on XX/XX/18 to inquire about reinvestment options. I was quoted a rate of 2.45 % for a term of 14 months. This rate was also advertised on their website. I gave instructions to roll the principal into a new CD for 14 months at 2.45 % apy on the maturity date. When the maturity date came, the bank opened an account for the correct term of 14 months, but at a lower rate of 2.40 %. When I inquired about this, I was told that the rate that I had been quoted was a promotional rate that had recently ended. The bank invested my funds at the agreed upon term of maturity, but decided to lower the APY that they had quoted without making any attempt to contact me. I requested that the bank adhere to the terms that they had previously confirmed to me, and they refused. They did not deny that I had been quoted a higher rate, but would not honor that quote. I contend that the appropriate course of action would have been to either contact me and let me know of a change to the agreed upon rate, or return the funds to me. I have closed the account, and am awaiting return of my funds, and I am being harmed by the interim loss of interest.

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 2023-05-31
Company: Army and Air Force Exchange Service
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I have loans that are over XXXX XXXX XXXX from like my military star card which I was swore. I paid off. I've been paying you even though I'm not sure if I even owe them. 
There's got to be some way I can Settle it since it's over XXXX XXXX XXXX. 
I also have other debts that are over a XXXX XXXX XXXX. That should be taken off 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 2019-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX   XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX I XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX  XXXX XXXX XXXX not mine

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 2020-07-23
Company: TrueAccord Corp.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On Thursday, XX/XX/2020, I received a first-time email from a collection agency known as TrueAccord working for XXXX XXXX, on behalf of XXXX XXXX XX/XX/XXXX, attempting to collect an alleged " outstanding balance of {$1300.00}. '' I had no idea I was in default of any kind to XXXX XXXX XX/XX/XXXX. Regular payments were made despite no flexible payment plan during COVID. And if XXXX XXXX XX/XX/XXXXstopped sending me bills than it was on its part. But turning my account to a collection agency without any prior discussion and notice is unacceptable business practices and policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
vanderbuilt mortgage XXXX tn I draw XXXX and have had a lot of things go wrong and health iiesuse got behind on mortgage I filed for a modafcation on my loan got a letter saying they were working on it then got foreclosure papers and then a court summons there the rudest people I ever had to deal with there just mean ... ..and they say I owe more then I do thehvetold me they would huemilate me by the add in the news paper every one will know ... ... .the co borrow is out of work due to a injury

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 2023-05-31
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo processed a re-fiance on our original mortgage which was in XXXX- they ( WF ) contacted us directly. When the banks received their bail out money from the government ; instead of contacting customers who were behind on their mortgage and in foreclosure- they called us. We were never late with any of our payments starting in XXXX, in fact I even made additional principal only payments to the loan. To be very clear we had no problems paying our mortgage in XXXX - we didn't even qualify for a XXXX loan in XXXX because we were not " upside down with the loan to value '' The big trick of all here is that we didn't even find out what Wells Fargo did until we fell behind on our mortgage in XXXX were Never told, Nor was it was never disclosed to us that this was a XXXX loan. I called XXXX directly and that is when I found out what really happened in XX/XX/XXXX when Wells Fargo lied to XXXX XXXX & Us. They passed this loan on to XXXX XXXX and never looked back. I received a {$50.00} check in the mail from Wells Fargo ( Which I did NOT sign ) it stated that our account was identified as an account that was effected by an ongoing investigation. In XXXX - to today which is when we really need Help & Thanks to Wells Fargo & this XXXX  Trap - This is a 1 per lifetime & even though WF admits to non disclosure, they have refused to work with us so we can keep our house. To make things even worse I was involved with 2 horrific auto accidents that I still suffer with chronic pain today. The 2 motor vehicle accidents were on XX/XX/XXXX & XX/XX/XXXX I am at a total loss - I have no idea why they are allowed to get away with their actions

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 2023-08-02
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX # 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 purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
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:
According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/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 2019-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  is reporting a bankruptcy on my credit file. Ive written multiple letters demanding this unverified information removed. They claim this information came from XXXX. I have checked with XXXX and they do not have a bankruptcy on my file. I have also contacted the court and confirmed that information is not coming from them.

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 2023-03-28
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: Information belongs to someone else

Complaint:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-17
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: Account status incorrect

Complaint:
I am uncertain as to WHY these late payments are present on XXXX XXXX I must request under the terms of the Fair Credit Reporting Act, and Fair Credit Billing Act of 1975 that you provide me with an audited statement of my account for the last 2 years..If you can not supply, please remove this inaccurate information from 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 2018-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
spoke to XXXX @ Capital One XX/XX/XXXX18, account XXXX. I had paid my XX/XX/XXXX18 balance in full and in advance. asked XXXX about autopay. I signed up for autopay. asked XXXX if she could guarantee that the bank would not try to take a second prepayment on XX/XX/XXXX18. she checked with her supervisor and he agreed that the next bal. due would fall on the 30 day rotation, namely XX/XX/XXXX18. On XX/XX/XXXX18 however the bank tried to take a second prepayment. I put a stop payment refusing the transfer of funds on XX/XX/XXXX18. I tried to reach XXXX and wrote a letter to the bank. No reply. 
I cancelled the CapOne account. It appears CapOne is an online banking service only. Customer can not initiate contact by phone or digitally with customer service reps. to discuss problems like mine. The CapOne business model is skewed against the customer. No customer access to lines of communication regarding previous transactions is bad and prejudicial and arguably fraudulent policy. I protest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-08
Company: Early Warning Services, LLC
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:
early warning credit systems or ealry warning is commiting crimes and causing people not to have bank accounts to live their lifes. they have misleeding info on people credit files and banks turn away good people. i XXXX XXXX XXXX am one of the people they are trying to hurt with their lies. i did not give any athuasashon to have my name in their system and if i did i was not aware of it i revoke my name and my social in their system and they must remove me from the sytem or i will seek legal console. an in turn another compney that is going to halfto purge my account its XXXX they must purge my account or legal action may take place

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
See document attach

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 2019-02-15
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I do not bank with mastercard or usbank, however i was sent a debit card to activate in the mail yesterday. I have been trying to report a fraud but no one at the master card customer service can seem to help me. I did not order a card and think someone else did under my name. I need this card and account cancelled. Thanks

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 2018-07-26
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH
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 initiated an application with one main financial, when she started asking me information about the loan she added my husband onto the loan. She did not tell me she was going to do a secondary application and run my credit score again. She never asked if that was ok. Then she called me back saying we were approved for XXXX after the underwriting department looked into it. She never said anything about a second inquiry which should not have been necessary since they already had my report. Had I known this we would have gotten 2 separate loans. She took away my right to decide on my credit file.

Company response to consumer: Closed with explanation