BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-01
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:
The closed accounts listed below are not my account/creditors, however its on my credit report. 
XXXX XXXX XXXX - Account number XXXX- Amount {$1700.00} Date XX/XX/XXXX XXXX  XXXX- Date XX/XX/XXXX ; Amount {$12000.00} XXXX XXXX-Date XX/XX/XXXX- Account number XXXX ; Amount {$250.00} Bankruptcy- Account number XXXX, Date XX/XX/XXXX and XX/XX/XXXX Bankruptcy - Account number XXXX ; Date XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX- Date XX/XX/XXXX- Amount {$23000.00}

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 2019-04-14
Company: Avadyne Health Holdings, Inc
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have two outstanding medical bill with this company because they failed to submit the claims to insurance which I provided in the hospital, now due to timely filing they are refusing to submit the claims and saying its my responsibility when in fact I don't handle billing nor sending claims to insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
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 check my credit report and notice some things that does not belong to me. These accounts are really affecting my Credit standing and a chance of getting a card approval. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

-XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX -XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX -XXXX XXXX XXXX Account Number : 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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 Date Opened : XX/XX/2013 Balance : {$17000.00}.

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 2021-09-10
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
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:
XX/XX/2021 I got a phone call from someone claiming to be from XXXX saying my account had been fraudulent used. 
The incoming number was XXXX. 
They had me download 2 apps one called XXXX and the called XXXX. 
I foolishly believed them and did give them my bank info so they could fix the problem. 
Everything seemed ok but later that day my bank account was emptied of {$5000.00} Dollars leaving with with a deficit of {$1500.00}

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 2017-12-01
Company: CITIBANK, N.A.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Credit report shows these as unpaid debts. These are not my accounts. I did not authorize. I have no credit cards and have not for over a decade. Citibank for {$6700.00} opened XX/XX/XXXX and for {$660.00} opened XX/XX/XXXX. I believe this to be fraud and need for them to be removed 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 2021-03-05
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Experian Dear Experian : You are reporting inaccurate information in my credit report. Please investigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts : Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX XXXX Inquiry Info : HARD Inquiry : Banking - XXXX Reason : This inquiry was not authorized Credit Inquiry from EXPERIAN XXXX XXXX, Inquiry Info : HARD Inquiry : MiscellaneousAndPublicRecord - XXXX Reason : This inquiry was not authorized Credit Inquiry from EXPERIAN XXXX XXXX, Inquiry Info : HARD Inquiry : MiscellaneousAndPublicRecord -  XXXX Reason : This inquiry was not authorized Credit Inquiry from EXPERIAN XXXX XXXX  Inquiry Info : HARD Inquiry : MiscellaneousAndPublicRecord - XXXX Reason : This inquiry was not authorized XXXXredit Inquiry from XXXX CARD, Inquiry Info : HARD Inquiry : Banking - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Reason : This inquiry was not authorized Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Reason : Please verify this account Creditor : XXXXXXXX XXXX  XXXX, Account : XXXX Reason : Please verify this account Creditor : XXXX Account : XXXX Reason : Please verify this account Creditor XXXX XXXX XXXX &, Account : XXXX Reason : Please verify this 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 2019-04-14
Company: U.S. BANCORP
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit card company / Bank did not process my payment correctly and now it shows up on my credit score.

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 2018-02-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have tried everything that I know how to do correctly, Still, XXXX, Equifax and XXXX will NOT remove this from my credit report even though I have submitted this information to you 3 times already. Not only that they decided to double the amount to add insult to injury. 
This loan should have been removed 2 years ago it's NOW 11 years later & it's like gum stuck to the bottom of your shoe they seem to want to punish me for the rest of my life cause I lost my job ... ..the Law in NJ under Statue :, New Jersey Statute of Limitations on Debt Collection, SAYS -- - Demand Notes when no demand is made : 10 years. If demand made : 6 years from date of demand, ( 12A : 3-118 ( b ) ). THIS DEMAND IS PAST THE STATUE?? 
( XXXX XXXX XXXX XXXX ) I'M trying to get a better job & place to live but they, ( XXXX  ) ( XXXX ) ( EQUIFAX ) NOR ( XXXX XXXX XXXX XXXX ) ARE ALLOWING ME TO MOVE MY LIFE FORWARD. WHAT DO I NEED TO DO TO HAVE THIS DROPPED FROM MY REPORT. Please help me with this is was Suppose to be Removed ALREADY ... 
Thank YOu for your assistance in this matter without your help, I don't know what to do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: IN
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:
On XXXX! XXXX Citizen Bank reported a hard inquiry on my credit report but I have not given them my personal information to apply for or obtain any assistance with a loan, credit, account or credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: CORELOGIC INC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
This is a third request to get my credco saferent full consumer disclosure.credit report. 

-XX/XX/XXXX, submitted cfpb complaint along with all requested documentation. Credco saferent then stated that they sent consumer file XX/XX/2019. This was a lie. I received a rental property solutions reports, not a saferent report. Per my previous cfpb complaint send me a copy of my credco saferent full consumer disclosure report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I WAS APOROVED AND SENT CARD See attatched Capital One Credit card statement due date XX/XX/2019 card ending XXXX I WAS UNABLE TO ACTIVATE AND USE CREDIT APPROVED. 1 )?? WAS IT BECAUSE I AM XXXX & CAP ONE IS NOT WCAG 2.1 ADA COMPLIANT FOR MY XXXX  XXXX? 2 )?? WAS IT BECAUSE I am XXXX unknowable technology? 3 ) WAS IT because see attatched Cap One XX/XX/2019 DATA SECURITY ISSUE? WAS THIS PUBLICLY ANNOUNCED IN THE NEWS?? See attatched Fax Documentation Provided to Cap One TO NO AVAIL. I had to close this account because could not use. This lowered my credit score. Cap One is NOT ADA COMPLIANT CONSUMER UNABLE TO ACTIVATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
on XX/XX/XXXX XXXX American Express was notified of a charge discrepancy. Under their membership agreement in terms of service such a discrepancy must be reported within 2 billing Cycles after it is first available the account holder statement. XX/XX/XXXX is when serve became aware of the charges disregnancy. During a phone call with serve the discrepancy was clearly explained. What had happened was five items were ordered from Merchant. All five items were returned. Three of the items were refunded properly. Two of the items were not refunded at all. After some delay it sometime Merchant told me to contact Bank American Express Serve. American Express Serve appeared that this would be taken care of by them and that my membership benefits and membership agreement offered such protection. After some time this American Express Serve claim that they need additional information regarding this issue they required me to fill in a dispute form with information see attachment. This information was provided to members that serve immediately after it was requested. More so more information was submitted to American Express Serve than what was required in fact information that would clearly Define explain improve the issue was sent to serve even they did not requested. American Express Serve after possessing this information gave no updates no information and subsequently completed their investigation on XX/XX/XXXX. I on XX/XX/XXXX American Express Serve send me an email stating that the transaction was determined accurate and no credit would be adjusted to my account. American Express Serve claimed that they were denying this discrepancy and if their decision was based on the fact that they had not received the requested information. This is indeed false. They have received every information request from me to them. After several calls to American Express Serve. Confusion and unintelligible stammering could not answer what this requested information was that was not received. American Express Serve seems tube just have play XXXX denied this discrepancy with no reason whatsoever the reason they have provided is not correct is not accurate and can be shown to be false. American Express Serve needs to offer the benefits date extend in a membership agreement. There needs to adjust this discrepancy in my favor. The way that it has been provided to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: WELLS FARGO & COMPANY
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have been a Wells Fargo member since XX/XX/XXXX and decided to take out a personal loan in XX/XX/XXXX. In XX/XX/XXXX I had some family issues, lost a job and another major hardship that affected my liquidity, as a result I reached out to Wells Fargo to work something out with my payments. The first representative stated there was no such service and I attempted to call at least two other times to ask for some lenience given my time with Wells Fargo and previous record of being a good customer. My attempts were to no avail, I had three extremely hard months and as a result I have late marks XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Recently I reached out again requesting consideration for removal given I went through extreme hardships and am now looking to apply for a mortgage. I would like to share my journey with other consumers who are considering a relationship with Wells Fargo. I found it to be a great bank in terms of offerings when things are good, but completely lacking in support when it was most needed. I also bank with XXXX XXXX and XXXX XXXX - both of which were more than happy to work with my situation at that time. After my hardship I successfully paid each month for the remaining year on my Wells Fargo account without issue, I was genuinely in need of assistance for a small period due to occurrences beyond my personal control.

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 2022-07-05
Company: JPMORGAN CHASE & CO.
State: MD
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:
This company is reporting inaccurate information to the credit bureau and illegal reading the account. The card was charged off in XXXX and is reportedly XXXX which is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
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: Account status incorrect

Complaint:
I have disputed the late payments on this XXXX XXXX XXXX for months. XXXX and XXXX   have reversed them but Transunion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2019-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
In XX/XX/XXXX I filed I Filed a complaint With consumerFinance.gov complaint # XXXX against XXXX XXXX XXXX which was resolved favorably the resolution was that the account was closed payments were backdated and the credit reports to remove late payments and references. My credit reports were updated immediately. On XX/XX/XXXX my transunion report updated to a new 90 day late with the date of XX/XX/XXXX for this account. This was changed again. I have the resolution letter from XXXX that included the payment history which contradicts this new credit reporting the resolution was also reported on my consumer finance file. I was not even delinquent in XX/XX/XXXX as stated on my updated 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 non-monetary relief
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I signed up for a two year subscription with TransUnion 's myIdentity credit monitoring service on XX/XX/XXXX. I used this service regularly and received monthly credit monitoring reports to my email address. In XX/XX/XXXX I received multiple credit alerts while I was in hospital. When I tried to login to my account I was unable to access it. After discussing the matter with their customer service department they helped me reset my password. When I logged in, I no longer had access to the services I had purchased. When I called back they informed me that my account had been created on XX/XX/XXXX and they had no purchase history and no other accounts on record and told me that since I was not a customer they would not help me any further and hung up on me. I tried to reach them via other channels such as social media without success. To date I have not been reimbursed or had my services restored, there has been no direct acknowledgment of my issue. I have records of our email correspondence from present day going back to my initial purchase on XX/XX/XXXX. I have attached my initial membership as well as my most recent credit report notification ( 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 2019-03-21
Company: AFNI INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to 1681o. Civil liability for negligent noncompliance and 1692d. Harassment or abuse under federal law, AFNI is engaging in said violations of latter federal statutes. AFNI did not provide within 30 days of their notice of alleged debts, and furthermore do not enclose a date of when this alleged debt occurred. There is no itemized receipt that was produced within the afforded time frame of 30 days, nor any evidence that I owe any money to XXXX XXXX. I am enclosing a copy of my account with XXXX and it shows no past due balance, and this collection company is attempting to collect on a debt that does not exist. I am a customer in good standing with XXXX and do not owe any money. Thus I hereby refute the validity of this collection attempt, as null and void. This company needs to cease and desist and not communicate with me again on a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: U.S. BANCORP
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:
On XX/XX/2018, I authorized XXXX XXXX XXXX to sent my credit application to XXXX only. There was a miscommunication with the sales office and XXXX department and my credit was obtain by lenders XXXX XXXX XXXX XXXX, US Bank, XXXX, etc. ) that was not authorized. The XXXX XXXX sent an email to correct the error on their part but the credit bureau indicated inquires can't be disputed resoluting in a decrease with all three credit scores of 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 non-monetary relief
Consumer complaint received 2021-09-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
This account has been disputed several times with Nissan as well as the credit bureaus. Nissan has it in their system that it is XXXX balance and settled in full. None of the 3 credit bureaus seem to reach out to nissan to investigate no matter how many times I dispute this.

Company response to consumer: Closed with explanation