BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 reported all of these inquiries to the following Credit Reporting Agencies, Transunion XXXX  and submitted info related to fraud on my account with the illegal use of my Social Security No., and asked that all of the hard inquiries be removed from my credit report, as these are impacting my credit score, and are being illegally reported on my credit report.

However these Credit reporting bureaus have  refused, and completely refused to remove these erroneous inquiries from my report. 

The following inquiries are on my report and these reporting agencies refuse to take them off. 

XXXX - XX/XX/XXXX MAB RETAIL - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX OFFLEASE ONLY - XX/XX/XXXX OFFLEASE ONLY - XX/XX/XXXX OFFLEASE ONLY - XX/XX/XXXX OFFLEASE ONLY - XX/XX/XXXX CAR FINANCE - XX/XX/XXXX CAR FINANCE - XX/XX/XXXX INFORMATIVE - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX / XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX 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 explanation
Consumer complaint received 2018-07-02
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 checked my credit report and discovered an account from a company called XXXX XXXX. I have no idea who or what this is, nor do i have knowledge of the debt they are reporting. I have never been contacted by this company. I contacted the original creditor, XXXX XXXX, and they stated there is no balance for my old home address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX or under my social security number or the account number : XXXX. They also stated they do not use this company for debt collections, imposing that this is a fraudulent account. XXXX XXXX provided me with my confirmation number that VERIFIES a {$0.00} balance : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03
Company: Red Mortgage, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have submitted all the documents for closing and they continue to schedule the closing but refuse to send the documents to the title company. We have scheduled the closing 3 times from XX/XX/XXXX - XX/XX/XXXX. While the company will send emails they never respond to phone calls or provide any reason for not submitting the documents.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: AMCOL Systems, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received telephone calls from a collection agency call Amcol not knowing what the debt was about because they refuse to give me any information in reference to whats being owe, scams of identity have already occur on my credit report and sent to wrong address. I file bankruptcy and all information is public record. Amcol say that they have information, what is it! I have been rebuilding my credit and with patience and paying on time XXXX XXXX score was XXXX was XXXX and XXXX XXXX now all three is below 622. I don't have a problem in paying what I owe just talk to me, without abusive behavior of threatening me, trying to intimidating because of the power the three bureau 's has given them over me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Navient Solutions, LLC.
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive numerous calls from Navient ( for Sallie Mae loan ), the latest of which was today -- XX/XX/XXXX. I have NEVER had a student loan. A couple of years ago, I contacted them after they meade several calls to me and told them to remove my number -- I was not the person whom they were seeking. 

I have started to get the calls again, this time for a different person. I spoke with someone and they said they would fix it but they have or will not fix the problem. 

CallerID number : XXXX Number for contacting them : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX American Express National Bank Executive consumer Relations, Legal Dept. 


XXXX XXXX XXXX XXXX. 


XXXX XXXX XXXX, XXXX  XXXX RE : XXXX, XXXX # XXXX XXXX # XXXX I am writing to request a favorable report be submitted to all 3 FICO credit reporting agencies : XXXX, XXXX, and XXXX. I've had account # XXXX with XXXX XXXX since XX/XX/XXXX. 


I've requested a change of bank for my SSI direct deposit & will be closing my account with your company as soon as transfer is complete. 


I will also be submitting complaints to XXXX & FDIC regarding your predatory banking practices. Your company : -misrepresented this account as a checking account linked to a debit card intentionally to mislead vulnerable adults. The account number is questionable and inconsistent with normal banking practices, in which customers would be improving credit rating for duration of positive account balance. This results in customers being unable to obtain future credit, employment, and/or credit at reasonable earned credit rate, due to " lack of credit '' indicated by FICO. This equates to " economic sabotage ''. The same XXXX Branded Companies and affiliate agencies including in this instance XXXX XXXX, fail to provide reasonable customer service and ethical business interactions. 


In addition : -multiple XXXX XXXX failed to maintain Money Center Cashier/ Center Kiosk and/or MoneyPass ( fee free ) ATMs -Bluebird/AMEX failed to maintain XXXX ATM affiliates within reasonable distances for " Vulnerable Targeted Population Victims '' poor & XXXX dependent on public transport while also preventing cash back with purchase, all of which resulted in undue ATM fees, transportation fees, untimely walking travel distance. 


Undue stress economic hardship directed at targeted populations vulnerable poor and XXXX. 


There has been not only no benefit, but much harm caused by your illegal and unethical predatory, business practices. 


You should be ashamed, publicly shamed. 





Cc : XXXX XXXX, XXXX XXXX, XXXX, FDIC, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: GREAT LAKES
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I DENY I owe XXXX XXXX XXXX for this alleged debt. Please see attachment that explains my position. My response to XXXX XXXX XXXX was sent Registered Mail on XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
My Chapter XXXX Bankruptcy was filed in XX/XX/XXXX and paid in full and discharged in XX/XX/XXXX. It shows discharged with all three Credit  Reporting Agencies and I am not disputing. It will be 10 year showing on my credit report in XX/XX/XXXX. I am currently in process of trying to refinance my house. I am just humbly request that this information be considered for early exclusion.

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 2019-08-25
Company: SYNCHRONY FINANCIAL
State: TN
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 asked this place to remove the account info from my credit. XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX They will not remove this and it has been paid in FULL

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 2019-08-25
Company: SYNCHRONY FINANCIAL
State: NV
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: Billing dispute for services

Complaint:
On XX/XX/2019 I mailed Synchrony Bank Amazon / Synchrony Bank WalMart / Synchrony Bank Chevron a debt payment plan contract offering to pay {$25.00} per month until my debt is paid. Synchrony bank accepted the terms of my contract by cashing my post-dated check. Synchrony Bank is reporting that my account ( s ) is delinquent on my credit report. Synchrony Bank cashed my post-dated checks early. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX ( XXXX ) XXXX WalMart Mastercard / SYNCB Acct # ending in XXXX WalMart Mastercard / SYNCB XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XX/XX/2019 According to my XXXX account online records, I owe {$6000.00}. I am not disputing this debt but, my financial situation does not allow me to pay off the debt using the minimum payments that you're demanding. 

I agree that I am able to pay {$25.00} ( XXXX dollars ) on  the XXXX of every month starting XX/XX/2019 until the debt is paid off. I would appreciate a confirmation letter from you documenting your acceptance of my payment terms. However, if I do not hear from you, I will consider your cashing or depositing my check as confirmation that you accept my payment terms. My rights are protected under the law and refusal to accept my payment terms will void/cancel the debt. If my payment terms are rejected I expect the payment to be returned to me immediately in the enclosed self-addressed stamped envelope. 

XXXX A COPY OF THIS DOCUMENT WILL BE PROVIDED TO XXXX, XXXX, XXXX & THE FEDERAL TRADE COMMISSION. ***

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 2018-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Its the credi Bureaus I paid off stuff its not off accounts paid off still on a derogatory remarks.

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 2019-08-25
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
They responded to me twice through email and claimed my previous employer from XXXX accessed my retirement account and withdrew exactly {$430.00} on XX/XX/XXXX between XXXX-XXXX. But I still have 2 of the emails, and maybe 15 text messages they sent me because I couldn't log in to my accoumt because they were updated ing their systems. When I finally got back onto my retirement account with WELLS FARGO BANK. My money was gone, and my account was unavailable. I can't even log into the website anymore because of whatever they did. This all happened XX/XX/XXXX. I put the XXXX early.

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 2022-01-07
Company: Consumer Collection Management. Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Consumer collection management is reporting as of XX/XX/XXXX that I owe original creditor XXXX XXXX XXXX XXXX  {$2000.00} I have not received any written notices from either XXXX XXXX XXXX nor Consumer Collection Management nor any phone calls about this supposed debt while living at XXXX XXXX XXXX  I was verbally threatened by the property manager that she would have me evicted if i miss my rent payment by one day I received multiple written notices on my door on XX/XX/XXXX stating I had 3 days to pay my rent or legal action would be taken against me and I had reported to the property manager I had just lost my job due to Covid and the state of Indiana was working on helping me pay it till I was cleared to go back work but was told if I didnt have the money within 24 hours the sheriffs department will be serving me with an eviction notice that she had filed the same day I called to report that the date was going to assist in paying the rent while I was in the hospital after talking to the property manager my father went up to my apartment to find that the door lock had been broken and all my stuff piled in the living room of the apartment when I called about the incedent the property manager refused to take my call the next day my father went back up there and stuff that had been piled in the living room was found in the dumpster out front of the building so he took what was left back to his house and once I was released from the hospital my door locks had been changed and the property manager still refused to answer my call on XX/XX/XXXX I need to know if there is any help for me I cant get thru to village green apartments nor consumer collection management to find out what the debt is from because my rent was only {$750.00} a month

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called Navient to let them know that i would pay off loan # XXXX in the amount of {$500.00}. They agreed. Then my credit score went down XXXX points for XXXX and XXXX points for XXXX. 
Turns out that Navient took it upon themselves to spread the money out across all loans tgen raised tge amounts for each one with derogatory remarks on every one. 
After arguing until I XXXX coat hangers, i got them to fix it. Today ( almost 4 weeks later ) i see that they increased a loan from roughly {$1400.00} to over {$5000.00}. That screwed things up again now I've got to deal with these people again to try and fix this AGAIN! If this is what they do when you try to pay off your loans, how the XXXX do they expect to ever get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: Opportunity Financial, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
OPPLoans set up a loan account fraudulently set up by someone using my name online and my information. I didn't realize it was being deducted from my account as it is close to the payment that I pay for another loan. I've tried to contact the company for resolve but can not. it is therefore negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Experian Information Solutions 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:
I have a XXXX credit card that was charged off in XX/XX/2014. This debt was sold to a debt collection once then went back to XXXX. I believe this debt is part of the settlement when cfpb brought action against XXXX. This charge off is negitively impacting my credit report and I believe it should be removed from my credit reporting since it was from the cfpb settlement. I contacted XXXX to see if they would remove the account however they would not.

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 2018-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PH # XXXX My husband XXXX XXXX purchased a property on XX/XX/2010. Two years later my husband XXXX XXXX due to a XXXX XXXX XXXX. When my husband XXXX XXXX I notified the mortgage company of his XXXX, they tols me that as long as i make the mortgage payments i can being that the mortgage was under my husbands name. Because of my husband XXXX went into a financial hardship. My husband was the head of household and he paid all the bills. I fell behind on mortgage payments and XXXX asked me to fill out re modification papers but at that point I did not want to continue to live in XXXX. That is when the property went under foreclosure. The address to this property is XXXX XXXX XXXX XXXX XXXX  XXXX. I have tried to contact the XXXX several times and most of the time I get the run around. I need your help I feel as this is injustice. I was not responsible for this mortgage. This house was sold last year for the amount that was owed, but they still will not communicate with me. I ask for your to please remove this XXXX loan from all the credit bureaus. I have attached documents that prove that I was not responsible for this loan.

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 2019-08-25
Company: Experian Information Solutions Inc.
State: OH
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 am writing this due to non-compliance with ( XXXX, Experian, XXXX  ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX states i have a refund from amer exp, i dont know how to reach them, also have a problem resetting my p/w on this system. So if you can usos all mail that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Bank of America and XXXX discreminating against law abidding gun owners and fire arm companies. These are public companies that should not be getting into social issues. What happens when they do not want to business with someone of color or the wrong political party? Where does this end? I would hate to see us move backward in banks treating everyone equally.

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 2018-07-02
Company: LEXISNEXIS
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, per the FCRA Law, I asked LexisNexis for evidence within FCRA that the bankruptcy they are reporting was mine. They have responded by saying that they spoke to someone at the bankruptcy office. I asked for who they spoke to as well at the court and they have not answered. 

As you can see by the attachments, the courts do not report or speak with anyone regarding any cases. 

LexisNexis didnt respond to my first letter which is a violation and there only response did not answer my question of who did they speak to at the court. They even listed the wrong name of the court. AND they still have not provided me with the proper evidence according to FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Never heard of XXXX XXXX XXXX. Got a statement for {$0.00} in the mail today with a {$24000.00} credit limit. They say the account has been opened since 1989. They don't show any users or company owners listed but they will not cancel the card. There is no balance, no users, and no cards. They want personal information such as SS # and birthdays, etc. to add someone to the account in order to close it ...

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