BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-21
Company: Texas Guaranteed
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX from texas guaranteed has repeatedly harassed my potential employers for the past 6 months while I am interning - the employer has let them know I am not a XXXX Employee, even after I complained on here after repeatedly asking them to stop contacting. They do not block the number - so it shows who is calling - and leave messages with staff members to call me, including voicemails on non-secure voicemails that other staff members here stating who they are and why they are calling. The past 7 days alone I have these : XX/XX/XXXX @ XXXX both voicemail and message with staff left by XXXX XX/XX/XXXX @ XXXX and XXXX by XXXX XX/XX/XXXX @ XXXX and XXXX by XXXX XX/XX/XXXX @ XXXX and XXXX by XXXX XX/XX/XXXX at XXXX and XXXX by XXXX XX/XX/XXXX at XXXX and XXXX by XXXX I spoke with the manager after the last time I wrote a complaint on here to stop contacting and clearly that did not happen. How do they expect anyone to ever get and/or keep a job when they do this? 
They also call my family members and harrass 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 2017-09-14
Company: EQUIFAX, INC.
State: MO
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 am filing this complaint against XXXX. They have several credit inquires listed, negative accounts, and open accounts with balances that do n't belong to me. I have filed a police report in regards to this issue and I have filed complaints through each bureau. They have yet to remove these items from my report. I will file a lawsuit against them if these following items that are fraudulent are n't removed from my report immediately. 
Name of Account : Account Number : XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Account number unknown Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
i have been in correspondence with bank of america for about a month and a half now trying to resolve this matter. I have been a victim of identity theft and bank of america continues to hold me accountable for fraudulent transactions that occurred with my checking account ending in XXXX. I will be attaching my ftc identity theft affidavit that i filled. To my understanding their are federal laws in place for banks to protect consumers funds that are in their bank account. Bank of america is willingly ignoring the laws that are in place for consumers they have sent me a letter stating that the transactions where authorized but they wouldn't respond to my letter when i asked how where they authorized by me they could not show any proof like i requested to determine the transactions where authorized by me. As i explained to XXXX a boa representative with the internet today nobody 's information is safe it's to easy to access peoples information these days and it's alot of identity theft going on i do not want to be held accountable for something i haven't benefited from thank you.

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 2020-12-07
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: Was not notified of investigation status or results

Complaint:
On the XXXX XX/XX/2020, I sent a letter to Equifax asking to show me how they are validating a debt when other bureaus are stating that they can not verify this debt. I sent information showing this and have not received anything back within the last 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am filing this complaint against XXXX. They have several credit inquires listed, negative accounts, and open accounts with balances that do n't belong to me. I have filed a police report in regards to this issue and I have filed complaints through each bureau. They have yet to remove these items from my report. I will file a lawsuit against them if these following items that are fraudulent are n't removed from my report immediately. 
Name of Account : Account Number : XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX  XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Account number unknown Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified 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 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX - partial account number XXXX. ( Please see page 12 of the attached credit report. ) I called to let them know that I did not give permission to be added as an Authorized User. XXXX has removed this line item from my credit report but XXXX and Transunion have not. I have contacted the bureaus to remove this from my credit report however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be 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 2020-10-19
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: Was not notified of investigation status or results

Complaint:
I have been mailing letters requesting that items on credit report be verified with detailed information sent to me, as well as other information that were reporting inaccurate to be removed, and lastly I have gotten no response from them in regards to my requests. I have not been notified when an investigation was launched yet alone if it was completed. This problem has existed since XXXX of 2020. It frustrating because the inaccurate information and unverified accounts are causing mishaps in my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The Tranunion representative refused to let me dispute a inquires That was made with my authorization Theb.representative state to me that it was a factual statement and its nothing I could do.I explain to him, no its not factual when permission wasnt giving to run my credit.He went on to say two in one day is concerned as one, its not a big impact on my credit score.The inquires thats is questions is, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-05-21
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX  XX/XX/XXXX Balance : {$440.00} {$440.00} BRCLYSBANKDE XX/XX/XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXX XX/XX/XXXX Balance : {$440.00}

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 2021-03-31
Company: DISCOVER BANK
State: TX
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Inquires that I don't recognize

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 2019-02-20
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX placed a charge on my credit in XX/XX/2018. I called and made arrangements to settle the account and get the charge off my credit report. I explained I was trying to get a mortgage and they said that they would. They sent me a letter stating that the balance was XXXX but the charge is still on my credit report and is reporting negatively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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/XXXX I purchased a ticket with XXXX XXXX using my Capital One credit card for {$160.00}. The flight was XXXX going from XXXX, XXXX to XXXX, XX/XX/XXXX. A few weeks later XXXX XXXX canceled my flight with no reason given. I tried contacting XXXX XXXX via phone and they only speak XXXX. I tried messaging them on XXXX using a translator app so that my message would be in XXXX and I never received a response from XXXX XXXX. A few days later I disputed the transaction with Capital One because I never received the service I paid for nor have I received a refund. I demand a refund. Capital One has ruled the case against me several times saying that the ticket isn't refundable due to the airlines policy. At first the airline said I canceled the ticket when I did not. They lied. Then they changed their story and admitted they canceled the flight but they gave me future travel credit a.k.a " certificate '' which I never received. I've been very clear about all of this with Capital One and they still said I won't receive a refund. I've referred Capital One to the mandate the Department of Transportation ( DOT ) of the US government stating that anyone who has their flight canceled due to the airline canceling it has the right to a refund in all circumstances. Capital One says that DOT is a 3rd party and their law doesn't apply to my transaction. I bought the ticket in the U.S. using a U.S. banks credit card and it's for a flight to the U.S. How does the U.S. gov't law not apply? I'm very unhappy on how Capital One and XXXX XXXX has handled the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-20
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: Their investigation did not fix an error on your report

Complaint:
I have contacted XXXX  several times via phone online, and via first class mailings on many occasions in regard to an account that is reporting inaccurately. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking my credit. I have disputed and reached out to XXXX several times and they say the same thing over and over. The companies either need to provide proof of validation that this account is charged off or this account needs to be updated appropriately as Paid in full satisfactory. I've called XXXX and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated he was taking care of it only to find out he had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following account is what is being reported : XXXX XXXX XXXX XXXX XXXX # XXXX. I have even sent XXXX copies from XXXX showing that they have this account reported accurately as paid satisfactory and that XXXX keeps saying verified. How can they all be using the same information, but some bureaus are reporting correctly & the others are saying verified which is totally incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have tried and tried to work with American education services. They never send me the papers I need and never ever help me. My son is in the hospital and they do not even care about my financial hardship I am going through! Recently last month they charged me because I made two separate payments instead of my whole payment! What kind of XXXX is that? Why does it matter if I do two payments??? They want me to pay up over {$300.00} dollars just to cover my two separate payments. Um no. They are suppose to work with me, not me work with them. Its my money.i have report this company 3 times and nothing happens!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-27
Company: EQUIFAX, INC.
State: FL
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:
Equifax and XXXX  are incorrectly reporting me as an Authorized User on XXXX - partial account number XXXX. ( Please see page 12 of the attached credit report. ) I called to let them know that I did not give permission to be added as an Authorized User. XXXX  has removed this line item from my credit report but Equifax and XXXX have not. I have contacted the bureaus to remove this from my credit report however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2021, my small business received a wire transfer for some merchandise. I went and purchased the merchandise. On XX/XX/2021, Wells Fargo seized all the remaining funds in my account, because the sender of the wire claimed fraud, then the bank closed my account. Without any contact with me, without my debit authorization, Wells Fargo returned the funds to the customer, saying they received a letter of indemnity from the sending bank, which was XXXX, or XXXX XXXX XXXX. The customer that complained about fraud, will likely receive the merchandise, and a refund of the money that they paid for it. 

Wells Fargo, being fined several XXXX dollars by the Fed because of widespread customer abuse, continues these violations of fiduciary responsibility, and hurts its small business customers and depositors.

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 2020-10-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I MAILED MY DISPUTES TO THE CREDIT BUREAUS XX/XX/2020 AND I STILL HAVE NOT RECEIVED A RESPONSE YET.

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 2019-02-20
Company: Experian Information Solutions 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:
So I recently disputed several inaccurate items on my credit report on Experian. I disputed exactly how it is said to do and used factual information and attached documents to support my reasoning for what I wanted done. Out of the 8 items I disputed only one item was removed from my report. I have attached a copy of what was sent to me. I don't understand how you ask a person to be specific and then when it happens nothing is done. These are clear violations that are showing on my report. XXXX XXXX XXXX was the only account that was removed. On the attachment I am sending I have marked all the inaccurate and clear violations such as date of status not being updated to show that a investigation was even performed, late payments on accounts after the accounts are charged off and closed, and monthly payments on a account that are closed and sold/transfered but doesn't even state who bought the account. These are all violations and I have asked for these accounts to be removed /deleted from my credit report. On XXXX XXXX it shows late payments and I have never been late. I have asked Experian to provide me the paper work or a bank statement to show me proof that I was ever late. I have never received anything. I have also asked for documents showing my signature on a contract and they have not provided this information either. I am very upset because I am getting no where with these disputes and I am showing them that the items they are quote on quote verifying are being deleted by XXXX and XXXX so how is it still showing on mine after I have disputed. All the bureaus get there information from the same sources so why am I not getting the results I have asked for. I don't want a letter telling me I need to be more specific because I have attached my dispute letter as proof that I am being very specific in what I am saying and wanting done. I also want my personal information to be corrected to one date of birth, one social security number, one address, one employer, one phone number as I have asked and disputed as well.

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 2019-08-27
Company: Tate and Kirlin Assoc
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX im not recognize this account XXXX XXXX not recognize this account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: EQUIFAX, INC.
State: OK
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 trying to purchase a car and when they ran my credit it is showing by XXXX brothers outstanding car loan with XXXX and a repossession on the car. This does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and have sent my fraud packet, lease, and police report and nothing has been resolved, nor have I receive a response. This is really hurting my credit and is stressing me out and I am XXXX  which is causing me pain and stress on me and my baby.

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