BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-23
Company: Colony Brands, 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: Problem with personal statement of dispute

Complaint:
XXXX XXXX accessed my credit with out authorization I disputed account with no know knowledge informing of fraudulent account ... account was than removed off of my credit report and than placed back on bringing my credit score down by hundreds of points

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have inncorect inquires on my credit report that are were not authorized. They have negativitly affected my credit report. Below are the unauthorized inquires. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  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 non-monetary relief
Consumer complaint received 2021-03-03
Company: AMERICAN EXPRESS COMPANY
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:
I have inncorect inquires on my credit report that are were not authorized. They have negativitly affected my credit report. Below are the unauthorized inquires. 

XXXX AMEX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Accounts have been added to my credit report I believe to be a result of fraud. These accounts are unauthorized and unverified.

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 2021-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: EQUIFAX, INC.
State: NY
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently submitted a claim about Transworld trying to collect a debt from me that I do not owe and knew nothing about. The case was closed without a response from me. The information Transworld showed to CFPB is the same information I have already received. My complaint with them is that they are not investigating my dispute but instead saying that I owe. I also reached out to XXXX to receive information but they said because this alleged bill is old and the information has been archived. I am asking Transworld what I for do they have of mines to say that this is my bill. They can not give me any information of when was this account established and how was it open. What information was submitted to establish service. A deed or lease? I dont want to be responsible for something that dont belong to me. I will also provide information on where I live at during this service date according to the invoice they are providing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2020-11-15
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have recently reviewed my Chexsystems Report and was shocked to see that the reasons I am unable to open a personal and business account are because of a fraudulent account opened under my personal and private information. There is an Unpaid Balance of {$590.00} reported by XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX on XX/XX/2018, there is an Inquiry listed by this company as well reported on date XX/XX/2018 I DID NOT give this company permission to review my reports. The reported address for this account is XXXX XXXX XXXX XXXX, PA XXXX. I have NEVER gone into any business with this company, and I have NEVER lived at the reported address XXXX XXXX XXXX XXXX, PA XXXX. This account was fraudulently opened using my personal information, and an incorrect address that I have never resided or had any relations to. I have tried numerous times to have Chexsystem and XXXX XXXX  remove this Fraudentlent account from my consumer reports, and each time both company 's responses are, that they verified the account as accurate. This account is not accurate, this account was opened under an address I have never resided. I am requesting that Chexsystem Immediately remove this Fraudulent account from my report, I am also requesting that XXXX XXXX  remove this charge off amount and my personal data and information from their records.

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 2018-07-03
Company: GREAT LAKES
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loan servicer is Great Lakes Loan Servicing. Upon timely applying for renewal of my income based repayment, Great Lakes sent an email to my wife to confirm that she was also receiving income and to sign a form. This email went to spam. All other information was timely provided, including all needed information to process my income-based repayment request. Instead of approving the request or otherwise reaching out, Great Lakes immediately capitalized over {$10000.00} in interest and would not remove it when I provided evidence that the requested information was timely filed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: Rent Recovery Solutions
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I started receiving calls at work from rent recovery solution about a debt from XXXX XXXX XXXX managed by XXXX XXXX. I finally spoke to them and ask them not to call me at work and gave them my phone number, they called me after that and I ask them to send me proof in the mail abouit the debt and they claimed they emailed it to XXXX but my email is XXXX. I made it very clear to them that if i dont receive detailed proof of the charges i will not discuss any payment arrangement. On XX/XX/XXXX, i receive a letter ( see attachement ) fom them finaly thinking it was the detailed list of the charges but no it was just a copy of my lease from the XXXX. The lease only proved i lived there but it does not prove i owe the debt i am being contacted about, i called them again today XX/XX/XXXX and spoke to XXXX XXXX and told her what i received in the mail only for her to tell me they sent correspondence to the above wrong email which i never got of course and said she will send me one via the post office then told me she was hanging uop on me so i called back and I asked to speak to a supervisor and one XXXX came on the phone and was very rude and told me they are not sending anything else and that she will mark my account as disputed. She also kept on insisting that i just confirmed i received the proof from them and i was very clear that i only received a copy of my mail and a cover letter stating the amount of the debt but nothing that actually tells me what iam being charged for. I am attaching the only mail i received from this compay. All i am asking is that they follow fair debt collection practices. They have already placed this debt on my credit while they have not verified it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I recently went to get my taxes done. While sitting with my tax specialist she noticed that the interest charged when they sent me my tax forms from Navient was a lot more this year than last. In XXXX on my XXXX form the interest was {$3900.00}. That was the amount for the full year. I paid off my Navient XXXX  loan XX/XX/XXXX and my XXXX XXXX statement reflected interest was {$5700.00}. My tax specialist felt this was odd, as I paid the loan off within the first 3 months of the year compared to last years 12 month interest quote and recommend I look into it. Also it doesnt help Navient is under a class action law suit already for matter similar/same as this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: VA
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 paid the debt collections company XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) the total amount of my account on XX/XX/2020. The total amount was {$3600.00}. I received a Paid In Full letter from XXXX XXXX  which was consequently submitted to all 3 credit bureaus. Both XXXX and XXXX  report the account correctly as paid in full but Equifax does not. Multiple attempts have been made by multiple parties to ensure that Equifax updates the account properly but none successful. The collections company XXXX XXXX XXXX says that they have properly reported the payment to Equifax. I would like Equifax to properly report the account. I will attached the paid in full letter, and screenshots to substantiate all of my evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Experian Information Solutions Inc.
State: NM
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 have refinanced my student loans, thought Department of Education- XXXX XXXX my loans closed/refinanced but still delinquent. These loans are from XXXX all of which were refinanced and closed. 
I have 4 student loans, also refinanced from XXXX XXXX XXXX XXXX XXXX ; these are from XXXX. 
These are all affecting my score negatively because of the delinquencies showing. 
I feel that since that have been closed and refinanced, they should be taken off of my report. I have contacted both agencies, and have been told by both that they never come off your credit report. I believe this is unfair since technically they are still there under my refinance.

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 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 two XXXX XXXX XXXX loans and I have been fighting them with my credit reporting. The first loan I tried to switch my payment method through the app and it never went through for months which I put in trouble tickets after trouble tickets and it took months for them to fix it. I talked to representatives and emailed back and forth because they kept marking me delinquent on my credit report. I even was told which I have the emails saying they would fix my report and they never did I even on a complaint which they offer about your credit reporting and showed them the emails stating that they agreed to fix my credit reporting and sent them a screen shot of how it was being reported one states a paid collection and the other states 60 days late and they responded back say it is being reported actually as paid and closed which I showed they proof that it was not the case. The second loan I had with them I told them my bank account was hacked and my payments were on auto payments which in XXXX was kicked back because my bank closed my account. I even provided them a letter from my bank explaining the situation and they said they dont do goodwill adjustments. Plus it wasnt reported delinquent until XXXX but it all happen in XXXX. I paid off my loan in XXXX and in XXXX is was reporting that I was current.

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 2018-07-23
Company: Experian Information Solutions Inc.
State: AZ
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. The following credit inquiry listed on my Experian credit report is fraudulent and unauthorized : XXXX XXXX/ XXXX XXXX , XX/XX/2018.

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 2021-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I own a Bank of America Travel Rewards Card and I redeemed some points available booking a trip directly with their Travel Center. 
Unfortunately the airline ( XXXX XXXX postponed my connecting flight, forcing me to stay inside the airport for 11 hours. 
Due to Covid restrictions it would be a nightmare to spend 11 hours inside an airport and I decided to call Bank Of America Travel Center to discuss a flight change ( XXXX offers it for free until XX/XX/21 ). 
I've been trying for two weeks now with no luck. 
There is only one number available with several hours long waiting time. 
I scheduled a call back and after missing some calls because they tried multiple times to call me back after midnight, I managed to speak with a representative. 
The first operator does not know anything about travel systems, change and cancellation policies and both times I had the chance to talk to them, they tried to pass the phone call to the " Support Center ''. 
Both times operators of their Support Center were not available so they scheduled a call back between 24-48 hours. 
I opened two cases and both times I never received a call back. 
This is not how a Travel Agency should operate. 
I'm stuck with a flight that doesn't work for me anymore and I have no possibility to change it or cancel it even though both services are available and free during Covid. 
This is absolutely an unfair practice to the consumer.

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 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Due to the covid 19 global pandemic I was unable to make my payments on my XXXX  account on time. I requested they take the circumstances of the pandemic into consideration and remove the late status on those payments which were for XX/XX/2020 and XX/XX/2020. The added remarks updating the status for each to not late payments and since have removed those remarks for unknown reasons.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: EQUIFAX, INC.
State: NV
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:
Part of several Equifax data breaches where my information was sold XXXX. These data breaches affected me socioeconomically and placed my family at risk. For years, Equifax was reporting my scores low. Filed many complaints with CFPB against Equifax, however, no changes occurred. As I result of the incorrect Equifax score ; I have been denied financial products and given higher interest rates on credit cards and worse financial terms because Equifax is reporting that I am considered a credit risk. 

XXXX XXXX Credit Specialist at XXXX XXXX XXXX - California, charged me {$200.00} just for credit analysis. I was denied a XXXX ( " XXXX '' ) loan which could have changed my life in a positive way. Thousands of hours of the YEARS - emails sent out, hundreds of CFPB filed, reports with FTC, reports with OIG USPS due to mail being stolen as the data breaches helped criminals target me, typing up letter correspondences and sending it to the CRAs to verify identity to update my address, place blocks, take off accounts that didn't belong to me, contacting hundreds of third party data companies telling them to opt out they didn't have my permission to sell my information, and nothing changed. Since the data breach, I had to move as I have been tracked by psychotic criminals and if you don't think that is a big deal- they stalk my family. My children were recently hit on their bikes by these dangerous criminals and suffered injuries with $ XXXX in medical and attorney bills with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX. Over the years, they have hacked my credit cards, bank accounts, stole my mail after getting my address - stole everything thanks to your data breach. I paid XXXX {$100.00} for their monitoring service because Equifax didn't provide me with one after the data breach. 

When I contacted XXXX, they tried to deny I was a part of any Equifax breach. Told the Equifax Breach Settlement Administrator that I had losses from unauthorized charges to my accounts, many of which I had to close as I became a victim of identity theft. Lost history due to closures. The third parties that Equifax sold my information too not sure who they are, however ; I am a Veteran. I had to change my number 15 times due to identity theft- XXXX charged me a total of {$540.00} - {$36.00} dollars per number change. My family 's lives are forever impacted being victims of identity theft. 

Equifax data breach has led to serious impact on my family 's private life to include humiliation, discrimination, financial loss, physical, and emotional damage and even threat to life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: McCarthy, Burgess & Wolff, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX my husband had the internet account and I had landline account. We moved addresses together and XXXX merged the accounts without our permission. When they did this an erroneous balance was created. XXXX claims I was making payments to the wrong account number ( which they had merged/changed without notifying me ), this was not true. I dealt with XXXX in XX/XX/XXXX after I received a collection notice and after HOURS of my life wasted chasing down tickets was told the issue was resolved. Imagine my surprise when 2 years later, in XX/XX/XXXX I received a collections notice stating I owed XXXX {$210.00} from XX/XX/XXXX. I have spent many hours creating a new ticket and trying to reconcile this. XX/XX/XXXX- 40 minutes with XXXX , being told ticket was pulled from collections and being investigated XX/XX/XXXX- 36 minutes with XXXX told ticket XXXX would take 2 more weeks to process and to call back on XX/XX/XXXX XX/XX/XXXX- no notification about any resolution, received call from collections agency. 
called and was on hold with XXXX for 20 minutes before being hung up on.

I need help please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation