BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-16
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
to whom it may concerned while checking my most recent credit report i noticed unauthorized and fraudulent credit inquiries made by following companies XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX card XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX in XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX I did not authorize anyone employed by these companies to make inquiry and view my credit report This is a violation of fair credit reporting act section 611 also their was a fraudulent alert attached to my credit file which seemed to be ignored by your company, and letters was sent with no response a attachment letter will be sentto show proof

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 2018-05-16
Company: Experian Information Solutions 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:
There is a bankruptcy reported on my credit report in XX/XX/2016 that has a XXXX balance and no additional information. I have disputed this item with all three bureaus who claim they verified the existence of the account with the courts. I contacted the courts and they confirmed that they could not have done such because they do not respond to such request, which means it should have been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After hearing of the XXXX breach, I tried to take corrective measures for protection. I went to the TransUnion website and attempted to call, multiple times I received a busy signal that hung up on me. I then followed some trails and found I could sign up online for Fraud Alert on my account ... so, I completed the forms to create the online account. After I completed this form process, the next webpage it took me was immediately back to the original page to begin the form process to create an account again. I entered all the same information and at the end it indicated I had an account already and to sign in. I entered my username & password, after pressing the LOGIN button it brought me back to the LOGIN page again ... again, I entered my info and it sent me to a page that was attempting to reset my password. I thought perhaps this would finalize my ability to have access to place a Fraud Alert ... it asked for all my personal information and then a security question that was not the question I selected in the signing up process ... 

This entire process has been complete XXXX, it 's vacuuming up all of my info as it refuses me access, I am being ran around into useless loops on its website as its call line continues to give me a busy signal and hang up on me. It should not be this difficult to place a Fraud Alert on my own 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 2018-05-16
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Diversified Consultants Inc has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
ON XX/XX/2018 WELLS FARGO WITHDREW {$5500.00} FROM CHECKING ACCOUNT WITHOUT MY KNOWLEDGE.

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 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
credit inquiries, Ive already attempted to contact the reporting agencies advising them that the credit inquiries that doesnt have a established account does not belongs to me.

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 2022-08-05
Company: GOLDMAN SACHS BANK USA
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/22, I was involved in an imposter scheme in which I received an email at my workplace on my work email from someone who claimed to be the CEO of my company in XXXX. I had just started working for this new company so I was relatively unfamiliar with all the people, but the name matched up. 

This person asked me to purchase some giftcards to gift to employees, which I did. At XXXX I purchased XXXX giftcards of {$500.00} each for a total of {$2000.00}, pursuant to his instructions. He asked me to send him pictures of the giftcards and receipts so he could record the expense in XXXX and then I was to give the giftcards to the employees. 

Unfortunately, I realized about an hour later that this was not the CEO of my corporation. When I checked the giftcards, the balance was now {$0.00} on all of them. That day I filed a police report in XXXX XXXX, IL, where my workplace is located and also filed a report with the FTC to report the scam. 

I let my credit company company know that day what had happened and that these transactions were the result of a fraud scheme. They opened an investigation into the transactions, but never asked for any supporting documentation. On XX/XX/22 they denied the claim. 

I reached out again and said that I had a police report as well as transcripts of the communications which could substantiated my claim, so on XX/XX/22 they reopened the investigation and asked that I send them a copy of the police report. I did so, to an email they provided, but never received any confirmation. On XX/XX/22 they again denied the claim saying that there was " no evidence of fraud. '' On XX/XX/22 I sent letters to some executives at the company explaining the situation. On XX/XX/22 I received a phone call from a woman who said she was an assistant to an executive at Goldman Sachs, and she said that upon looking at my account they had never received a copy of the police report I sent. I said I would be happy to resubmit it along with any other supporting documentation that might need. She said that she would check and let me know what to resubmit. 

A few days later on XX/XX/22 she called me back and let me know that there was nothing they could do -- I would have to seek to get my money back from the Police Department by pressing charges. I let her know that the Police Department had told me that they would most likely never find this person as they are almost certainly overseas. She said she was sorry. I was never even given a chance to submit any of the support documentation that they had never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: N26 Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I had fraudulent unauthorized transactions that were made on my account totaling about roughly XXXX and XXXX is refusing to dispute and refund me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am so tired knowing that my concern was not attended by Experian!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX ( ORIGINAL CREDITOR : 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 explanation
Consumer complaint received 2018-04-29
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: Account status incorrect

Complaint:
I defaulted on this loan. I am trying to obtain a mortgage, but he loan is apparently showing twice on my credit report for lenders - once as a delinquent account and once as a charged-off account. I have tried to dispute with the bureaus, but XXXX XXXX will not correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Incorrect information on my Equifax report I don't suppose to have any late payments data inaccurate with my XXXX  and XXXX  account I disputed the problem but they never fixed it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
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 statement shows on XX/XX/XXXX XXXX added a Late fee of {$28.00}. I had already paid off the full balance making the account {$0.00}. I contacted XXXX and they removed the Late Fee of {$27.00} and {$1.00} of Interest. My statement shows the refund date as XX/XX/XXXX. At some point it was reported to XXXX, Equifax and XXXX XXXX. That my account was Past Due for the Month of XX/XX/XXXX for the amount of {$28.00} - the Late Fee and Interest. I immediately contacted XXXX and they agreed that this was not my fault and that they would remove the Past Due from my account and notify the 3 credit bureaus. They advised me to also open a dispute with XXXX, Equifax and XXXX XXXX which I did. XXXX rectified the report almost immediately. Since XX/XX/XXXX Ive continued to open disputes and provide photos and the statements showing the fees and then the reversal of fees so that I was not Past Due for XX/XX/XXXX. Equifax and XXXX  have not corrected my report but did allow a note to be added to the report that I dispute the past due for XX/XX/XXXX. On XX/XX/XXXX my husband was in a car accident resulting in a total loss of his vehicle. They told us we would need to look for a replacement. I am unable to secure a new loan at a fair rate because of the past due affecting my credit score. I have done my due diligence and still Equifax and XXXX  refuse to correct/update the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After numerous efforts to correct the amount owed with XXXX ( XXXX XXXX XXXX ) for the amount owed for services after canceling internet, there was not an agreed amount to close the account. XXXX  continued to send billing statements for an amount that was not considerate of their own delays in canceling services when first requested and is detailed in a FTC complaint filed awaiting response. Credit Management has since proceeded to demand further amounts above XXXX  fees. On XX/XX/20 I had called to discuss the matter from which they could not resolve but did proceed to file the credit impacts to my scores from which should not occur due to the circumstances leading into this event. The representative did not even discuss options nor try to resolve the issue. These credit impacts need to be reversed immediately until XXXX ( XXXX XXXX XXXX ) corrects fees attributed to their poor customer service and delays in responding to cancellation activities.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 statement shows on XX/XX/XXXX XXXX added a Late fee of {$28.00}. I had already paid off the full balance making the account {$0.00}. I contacted XXXX and they removed the Late Fee of {$27.00} and {$1.00} of Interest. My statement shows the refund date as XX/XX/XXXX. At some point it was reported to XXXX, XXXX  and Trans Union. That my account was Past Due for the Month of XX/XX/XXXX for the amount of {$28.00} - the Late Fee and Interest. I immediately contacted XXXX and they agreed that this was not my fault and that they would remove the Past Due from my account and notify the 3 credit bureaus. They advised me to also open a dispute with XXXX, XXXX  and Trans Union which I did. XXXX  rectified the report almost immediately. Since XX/XX/XXXX Ive continued to open disputes and provide photos and the statements showing the fees and then the reversal of fees so that I was not Past Due for XX/XX/XXXX. XXXX  and TransUnion have not corrected my report but did allow a note to be added to the report that I dispute the past due for XX/XX/XXXX. On XX/XX/XXXX my husband was in a car accident resulting in a total loss of his vehicle. They told us we would need to look for a replacement. I am unable to secure a new loan at a fair rate because of the past due affecting my credit score. I have done my due diligence and still XXXX  and TransUnion refuse to correct/update the 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 2020-02-04
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: Account information incorrect

Complaint:
XXXX XXXX XXXX, IS REPORTING INCORRECT INFORMATION TO MY CREDIT BUREAU FILES. 

THEY REPORTED THE MORTGAGE BALANCE TO BE INCORRECT AND THEY REPORTING THE ACTUAL PAYMENT AMOUNT AND FAILING TO REPORT THE 81 MONTH PAYMENT HISTORY AS PER THE FCRA. 

THE ATTACHED IS PROOF THEY ARE IS REPORTING INCORRECT INFORMATION TO MY CREDIT BUREAU FILES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Cedars Business Services, LLC
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My complaint is with Cedars Business Services based in XXXX, CA phone XXXX. I have repeatedly informed them that this debt has been paid directly, and let them know that they are calling me on a phone used for work during business hours, that the debt was already paid, and requested no further calls. They refuse, and continue to call me on a daily basis, for months on end. I have no recourse on how to end the harassment. They insist on calling me no matter what I tell them and will not stop. I have let them know I am filing a complaint and wrote this complaint while on the phone with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Unsure of exact dates. Account was opened in my name. I have no information on account or have received account information. Was notified by XXXX that there was an open delinquent account. Disputed account but creditor would not resolve, stating that all the information they have on file supports I opened the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
to whom it may concern while checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX i did not authorize anyone employed by these companies to make any inquiry and view my credit report. this is a violation of the fair credit reporting act section 1681b ( c ) .this is a serious breach of my privacy rights you have been notified on many occasions and my report was on fraud alert and you continued to ignore

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 2019-10-22
Company: Iconic Mortgage Corp.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The company ran my credit report eight times now every company is saying I have too many inquiries.

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 2020-07-02
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:
My credit from Equifax Breach Settlement Administrator Your Claim Number : XXXX First my credit is still being breach by Equifax - my names has been found in several companies who received information from Equifax to contact me. 
This company refused to up date my credit information regarding Student loans, and will not get me a credit report. The scores have been lowed due to their breach in the system. 
I am asking you to fine this company due to their miss guided information about my credit and score. 
This company has neglected to provided a safe account to keep my social secuirty number and personal information from other companies. 
The refuse to pay my settlement amount after I reported this information twice about the breach. I have to check my credit every day due to their neglect. 
The have refused to honor my concerns to correct their mistakes. 
Stop giving out my personal information to other companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: TX
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:
Last month I received a notice that I had a check returned from my XXXX account even though I should have had more than enough money to cover the check. 

I went through my transactions and saw several fraudulent charges starting around the end of 2019. 

These charges were done by several international money transfer firms ( see my other CFPB complaints ) as well as online retailers such as XXXX, XXXX, XXXX, XXXX, XXXX XXXX, etc ... 

I immediately contacted my card company, cancelled the card and imitated the fraud claims. 

I did contact several of the companies and was able to get a few to refund the money after I was able to prove I did not make the charges. 

Other companies advised me that they would not refund the money unless a chargeback was done by my card company. Again, see my CFPB complaint against XXXX. 

Yesterday I received a letter from my card company, BNY Mellon. stating that they conducted an " investigation '' and determined that I did make the charges and they were not valid fraud claims. 

There is no possible way any investigation was done since the companies that made the fraudulent charges agree it was fraud and said the best way to get the money back is through my card company. 

I have gone almost a month without access to the money that was stolen from me and my card company that is supposed to be protecting me is refusing to conduct an actual investigation.

Company response to consumer: Closed with explanation