BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently filed for inaccurate reporting on my credit profile a couple of months ago. I have not received any notification or esults and its been over 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: XOOM CORPORATION
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I tried to do a money transfer on the Sunday the XXXX when they told me it would take one to four business days I told them forget about it well since I'm a customer and they had my account number they went ahead and processed it anyway I called up immediately and they canceled it and said the money will be returned to me immediately now I'm going on day 4 The amount was {$560.00} this is on Sunday the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have been trying to fix my XXXX XXXX XXXX  account for the better part of this year. I started sending disputes to XXXX XXXX directly in late XXXX. And have worked with many different people inside of their company to go over information that was reporting false on my credit reports. In XXXX, I was finally given a letter from XXXX XXXX stating that they would remove a late payment that was on my credit reports for XX/XX/2018. They updating ALL three credit bureaus, but XXXX was the only one to update correctly. I sent the letter to the two other CRA 's and contacted XXXX XXXX XXXX again about the update. I only contacted XXXX XXXX because their update had created new negative information on my account. So I was fighting these new problems with XXXX XXXX, while trying to fix the old problem with the credit bureaus. This cycle of waiting for my credit report to update, new negative information on it, dispute with the CRA 's same old information, complain to XXXX XXXX about new errors on my report, and waiting for credit report to update. Has been a monthly dance for almost half a year. My XXXX XXXX XXXX   account update XX/XX/XXXX with ALL three credit bureaus. It is now a completely inaccurate reporting of my payment history. I am sick of XXXX XXXX doing whatever they want to my credit report and to my credit score. They have violated the FCRA and have failed to produce 100 % accurate information to the credit bureaus in a 30 day time frame. I want this account removed from my credit reports.

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 2020-10-20
Company: Experian Information Solutions Inc.
State: MI
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 is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. P

lease tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. Account Name : US DEPT ED Account # : 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 2021-10-05
Company: KEYCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
THIS IS NOT A DUPLICATE REQUEST- THIS IS A REQUEST THAT RESULTED FROM THE INCOMPLETE RESPONSE In XXXX I was promised that I would receive grandfathered guidelines as long as I qualified for them. This was promised to me by a the XXXX XXXX area retail leader and the XXXX branch manager since a bank error caused XXXX to not recognize the grandfathering automatically. I confirmed this with XXXX branch manager XXXX in XXXX of XXXX. I still received fees on my account anyway. I would like them refunded. 

To be clear. I'm requesting that the service fees charged on my Key Priveledge select checking in XXXX and XXXX re refunded to me through a check mailed to my house. This amount should be {$500.00} or {$550.00} I'm locked out of my online banking so I can not verify the exact number of fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, a complaint was filed against Wells Fargo Mortgage with CFPB to recover a missing mortgage payment in the amount of {$3400.00}. The mortgage payment in question was made on XXXX XXXX, my checking account at XXXX XXXX  XXXX . 
An investigation conducted by a Wells Fargo Mortgage Case Specialist, Ms. XXXX XXXX on XXXX XXXX claims, the XXXX XXXX mortgage payment was returned to my checking account at XXXX XXXX XXXXXXXX on XXXX, and therefore, my claim against Wells Fargo Mortgage is now closed. 
When contacted XXXX  XXXX XXXX with Ms. XXXX finding, XXXX XXXXXXXX XXXX contradicted Ms. XXXX finding and found no evidence of a payment being returned to my account on XX/XX/2021. Also, my checking statement has no evidence of payment being returned on XX/XX/2021 as the Case Specialist claims. 
Furthermore, three different Wells Fargo Case Specialists have provided three different findings where the payment might be, but refused to contact XXXX XXXXXXXX XXXX to find the whereabouts of the returned payment. 
The latest finding by the Case XXXX, Ms. XXXX XXXX, is confusing and hard to follow. I have reached out to Ms. XXXX on several occasions and left three voice mail messages, to go over her findings, but no response from her to my messages. 
My request is, to have Wells Fargo Mortgage, contact XXXX XXXX XXXX  directly and find where about of my XXXX XXXX mortgage payment.

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 2021-11-01
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME. ALSO WRONG EMPLOYERS TO BE DELETE, A LETTER OF EXPLANATION IS ENCLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is my several times to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Dear American Express Bluebird : Please find the attached documents submitted and confirmed receipt on XX/XX/20 regarding my account was debited {$400.00} in error from a failed ATM transaction. As the account has not yet received a proper credit, I would appreciate a prompt resolution by issuing a credit of {$400.00} to the account. Thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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: Information belongs to someone else

Complaint:
In XXXX XXXX XXXX, I realized that on my report their was inaccurate information being reported. The credit card is from XXXX XXXX XXXX  opened on XXXX XXXX XXXX. I have reached out to the company to get removed but no luck. Please remove this fraudulent 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 non-monetary relief
Consumer complaint received 2020-06-08
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
For starters I do not owe this company any money nor have I ever done business with this company. For two how is this company attempting to collect dent on behalf of another company? it is against the FCRA to collect on a debt that first of all is not true. 
I have not done business with this company. XX/XX/2020 I contacted this company asking them to send me proper debt validation and they have yet to do so. I am demanding that this company remove this account from my credit reports at once, it is absurd that your company would put something like this on my credit file. Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. My lawyer has advised me to bring this information forth to a judge in my area and I will do just that if this information is not removed from my credit file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am requesting credit inquiry that were unauthorized be removed from my credit report. Description of Disputes inquires : I never Authorized theses : I Demand written verification and documentation that the inquiries actually took place immediately. Proof of my permission for them to pull my credit. You can't verify all of the details, inquiries need to be removed. Validation I am requesting that you remove this information from my credit report. Thank you for your help in this matter. This is a request to remove the following inquiry that were made without my expressed permission : - XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX ( XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ) - XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) These inquiries according to the FCRA were not made due to a firm offer of credit, to obtain insurance, employment, or by a court order. Please remove these inquiries that did not have permissible purpose to pull my credit. Nor have i received documentary evidence under 15 usc 44 of the investigation consumer report as defined in 15 usc 1681a ( a ) ( 1 ) ( e ). under 15 usc 1681a ( 2 ) ( i ) WHICH is questionable as well. Under the FCRA, the burden of proof lies on the bureaus you are the one allowing fraudulent information to report on my credit report. HOW DID YOU Verify? Please send me a description of the procedures used in your investigation. Thank you for following the ethical standards set by the FCRA and removing these 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 non-monetary relief
Consumer complaint received 2021-06-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
The company keeps calling me because my account is past due. I have already started a settlement process with a third-party company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: LEXISNEXIS
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This communication is in reference to my LexisNexis XXXX Report dated XX/XX/2023, Consumer Number XXXX, Case Number XXXX. This communication shall serve as notice to LexisNexis that my LexisNexis XXXX Report contains numerous inaccuracies. Additionally, this communication shall serve as my formal written request for LexisNexis to remove the inaccuracies that I have identified in my LexisNexis XXXX Report. The items in dispute are the Incorrect Aliases that LexisNexis XXXX is reporting on my report LexisNexis XXXX Report. This is my third notice to LexisNexis regarding the incorrect aliases that they are reporting on my LexisNexis XXXX Report. This information is inaccurate because I have NEVER been known by these names and I have NEVER been associated with these names. I kindly request that LexisNexis promptly rectify the inaccuracies that I have identified in my LexisNexis XXXX Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XX/XX/2017 at approximately XXXX I contacted Transunion to inform them that I did not recognize several of the hard inquiries on my credit report. 

I had just contacted XXXX with the same information last week or so ; they filed a dispute form to have any incorrect information removed ( normal process ). 

When I contacted Transunion with the same information today ; they informed me that the only way to remove the incorrect data was for me to contact the companies myself, get them to write a statement of deletion ( or something to that effect ), then to forward those statements to Transunion, then for me to write Transunion and tell them in writing to remove the incorrect information ( after they have received the statements of deletion from the companies in question ). 

OR, I could send them a police report filed for identity theft with those companies listed. 

OR, I could wait two years. 

Even though I told them that I did not recognize any of the companies except for my car loan ( XXXX XXXX ), so as far as I am aware, these companies have made hard inquiries into my credit without my authorization. 

I asked each person I spoke with to confirm that we were on a recorded line, and that they understood that they were refusing to remove fraudulent information that they were now aware was made in violation of the law ( running a hard check without my permission ), and each of the three Transunion employees confirmed that that was the case. 

I also asked them if a company ran a credit check without my permission, why would they give me a confirmation of that in writing by mailing me a " statement of deletion ''? 

As well as the question of ; why should I have to spend my time tracking these companies down and pleading with them to send me letters to remove information that I did not authorize to begin with? 

Is n't tracking valid and invalid credit the job of the credit reporting agencies in the first place? They used to follow normal process and file a dispute to send to the companies ; is Transunion hurting for money? Can they no longer afford the staff to run the company? 

I do n't know, but I do know that I do n't have the time to track down companies and ask for letters to have unauthorized information removed that I did n't put there. 

thank you for your time in this.

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 2019-12-14
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts arent mine. Please remove 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 non-monetary relief
Consumer complaint received 2023-07-25
Company: Chime Financial Inc
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This is my XXXX complaint about Chime. They closed my account on XX/XX/XXXX without my consent and with no warning. Chime " says '' a check for {$1100.00}, the remainder of my balance, was mailed to me on XX/XX/XXXX. Today is XX/XX/XXXX and I still have not received that check. I have called Chime many, many, many times. I have emailed them many, many, many times. I've been told that I requested that account to be closed back in XX/XX/XXXX, which I did not. I've been told I requested the account to be closed XX/XX/XXXX, which I did not. I'll they have is tell me that account has a {$0.00} balance offer to me to reactivate that account, which I definitely do not. I just want the money that belongs to me. I have given my information many, many, many times and 55 days later I still do not have my money. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
There is incorrect personal information on my credit report. I need the bureaus to update this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: CORELOGIC INC
State: GA
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:
XX/XX/2018 I sent a certified letter to the Company and have not received a response or explaination of why there is an unauthorized credit inquiry on my report. I explained and that I have no knowledge or would like them to send verifiable proof that indeed this was a made by me. I HAVE NOT RECEIVED A RESPONSE

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