BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Loan Date : XX/XX/2012 XXXX XXXX : XXXX} Actions that were taken by me : Among loan modification settlement XXXX recoverable expenses Issued the unfairness of the charge.

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 2019-09-15
Company: Commonwealth Financial Systems, Inc.
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: Account status incorrect

Complaint:
I have disputed these accounts numerous times through XXXX and XXXX as the negativity that has impacted my score has been false from the start. I have talked to each collection agency listed and have recorded conversations of them stating apologies for the errors and that they will be removed however ; they have only followed through with XXXX and not XXXX. I have no negative items on my XXXX but they have done nothing to XXXX besides removal of a few accounts but, they have added accounts in their place, ones where insurance, XXXX, XXXX and my Supplemental insurance company has already paid these claims. I need help as I have disputed these numerous times. Below are the companies that are not in following through with what they have agreed to do. 

NEGATIVE INFORMATION > COLLECTION. 


XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was in XXXX XXXX with friends on a trip in XXXX when my wallet and phone were stolen at a restaurant. After failing to find the stolen phone and wallet, I contacted SUNTRUST and reported my card stolen. At that time they went over several transactions that included ATM withdrawals. During this recorded line, I let them know what was my last transaction and all the fraud one. They made two cases - one for the ATM charges and the other for actual credit charges. At the same time I had to contact XXXX and try to get a new phone. I received a letter stating that both fraud charges were denied and contacted SUNTRUST to find out why. They refused to give us information and stated that we could only do an appeal. They sent us the form needed and I filled it out. In the appeal, I showed proof of requesting new phones, money transfers that my wife sent to my friends since I had no way of getting cash since my bank account was emptied. After 45 days - where we called several times and were told that no information could be given - we received a second denial. There was no explanation, no documentation of the investigation to back up the decision. We recorded this phone call because of all the false information the bank kept giving us. We were finally sent to a supervisor who stated that there was nothing else we can do. After an appeal is denied there is no futher procedure to fight for injustice. There is no proof of the investigation and the supervisor could not give us a reason for the denial. We recorded the supervisor informing us the the decision is given to a specialist and once they decide SUNTRUST will not do anything else. My identity was stolen, my bank account was emptied ( over {$1000.00} ) - my bank history shows I have never taken out more than XXXX cash ever at one time - EVER since I opened the account but they refused to find 5 transactions of XXXX at an atm unsuspicious! At a time where we need funds and shouldn't be playing around with a family 's finances, SUNTRUST literally told me they would do nothing. I'm considering getting an attorney because this is UNFAIR and ILLEGAL!

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 2023-01-21
Company: WorldRemit Corp.
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hello I sent money to my sick friend in the XXXX, the company XXXX insisted the money is in my receiver 's account but it did not go through. XXXX would not refund me XXXX XXXX Please help.

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 2023-01-21
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 thought I was supposed to receive a letter from you guys but I haven't received anything, I know that you received the letter I sent on XX/XX/2022 but it seems you've just ignored it. I'm seeking help to the CFPB about this matter so you will know this matter is of great importance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Privacy issues

Complaint:
Re Capital One Credit card On XX/XX/XXXX I removed my ex wife as an authorized user on the account. I shut down her credit card, removed all her contact information including email address. On XX/XX/2019 I discovered that she still can access my account. I called Capital on XX/XX/2019 and the informed me that there was no way my ex wife could access my information. 

I found out this was not true. My wife forwarded me an email that she received from Capital one on XX/XX/2019 stating there was an alert on her credit report. This is through the CreditWise product that Capital one offers to its consumers. One thing to note is that my email was also changed with credit wise as well and hers should not be on the account. However credit wise continued to use and monitor her email address and capital continued to send her alerts. Inside the alert email was a link that logged her directly into my account and she had access to view and change things. 

Therefore I have huge privacy concerns that she could access my personal financial information when I took all steps necessary to ensure that she could not. Not only was capital one still emailing her but they also embedded links in the email that gave her direct access to my account. When I called they said I had done everything possible correctly and there was no way that she could be getting information which is 100 % False. Because CreditWidecontinued to monitor and communicate with email addresses that had been removed from the account I am sure I am not the only user that has had this problem I finally had to remove the Credit Wise product from my account and I think that fixed the issue but I am not sure because no one at Capital One could help I have attached an email that my wife received on XX/XX/XXXX to the XXXX email address that she should NEVER have got from Capital One according to the customer service team. In that email is the link that took her to the account. The link no longer works because I disabled that credit wise product

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX Bank Of America has issued me a check to the terms of a Class action settlement case No. XXXX. It states that Im an entitle member to a check award due to my bank account being closed. The amount of {$0.00} is totally disrespectful to not me but the Law as well. This bank has violated my consumer rights and financially cause me hardship and used a deceptive tactic of making it seem that this was under the required 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 explanation
Consumer complaint received 2019-09-28
Company: Navient Solutions, LLC.
State: TN
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 3 - Tuition Answer loans with Navient. All loans are reported correctly with all of the credit reporting agencies, except to XXXX, only 1 of the 3 loans are reported on my XXXX  credit report. I have contacted XXXX through disputes and phone calls who insist it is up to Navient to report the loans. I have contacted Navient, by phone who insist that XXXX has to change this on my credit report. Both loans missing from my credit report have outstanding balances which I make payments on every month. My XXXX Credit report is not reporting 2 of my 3 Navient loans which are in good standing. One of the loans missing from my credit report is over 12 years old and the other missing loan is over 11 years old. The incorrect reporting has been in this incorrect status for years, and neither agency will correct or remedy the situation. Please help! Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2023-12-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I applied for home equity loan. When they run my credit they found charge off on my report from Experian. But I dont have any charge off so I tried to reach Experian but I guess that the only company in whole united state dont have any customer service. Spent over 13 hours to reach them from last 3 days. All automatic and robotic person. Never get connected with any human. After they provide the instructions they disconnect. Even though I try to open membership with them same thing happen. My question is that, they dont have right to put incorrect information in my report while other two dont have any. And why they dont have human customer service where me or people like me they put in situation can solve the problem. What are they think our or my time dont have value. That I spend 14 hours just to reach some one to fix the problem when they put wrong information in my file. And I believe its not only me thousand and thousands people have same problem with them. They should operate their business at all when they cant provide service. Appropriate authority either take action on them or shut down their service forever that way people like dont have to go thru unnecessary hassle and spend 13 hours. My humble request to authority to take necessary action please.

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 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im begging you please remove this to the 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 2023-01-21
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: Was not notified of investigation status or results

Complaint:
I thought I was supposed to receive a letter from you guys but I haven't received anything, I know that you received the letter I sent on XX/XX/2022 but it seems you've just ignored it. I'm seeking help to the CFPB about this matter so you will know this matter is of great importance.

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 2023-08-14
Company: EQUIFAX, 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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Navient Solutions, LLC.
State: MD
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:
Navient has not sent the correct status of an alleged student loan debt in the amount of XXXX to all three major credit agencies. The alleged student loan debt was closed XX/XX/2022 yet all three agencies are reporting damaging information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-01-26
Company: ENCORE CAPITAL GROUP INC.
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 have sent multiple credit disputes to XXXX XXXX, XXXX, and XXXX  regarding my credit report. I was a victim of identity theft in 2012 when my License and my social was stolen. I have 5 inaccurate debts on my credit that I have never heard of or signed for. XXXX XXXX ( says charged off as bad debt ) XXXX ( has two separate accounts one says closed one says charged off ) XXXX XXXX ( charged off ) XXXX XXXX XXXX XXXX ( someone stole the car ) And XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I canceled the Amex card in XXXX of 2022 and paid off the balance of {$27000.00}. They continued to send me bills for reoccurring charges and late fees. I have tried to handle in a professional manor with the directly and continue to get run around.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-26
Company: Conn's, Inc.
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 have sent multiple credit disputes to XXXX XXXX, XXXX, and XXXX  regarding my credit report. I was a victim of identity theft in 2012 when my License and my social was stolen. I have 5 inaccurate debts on my credit that I have never heard of or signed for. XXXX XXXX ( says charged off as bad debt ) Conns ( has two separate accounts one says closed one says charged off ) XXXX XXXX ( charged off ) XXXX XXXX XXXX XXXX ( someone stole the car ) And XXXX XXXX

Company response to consumer: Closed with explanation