BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-31
Company: Fidelity National Information Services, Inc. (FNIS)
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2021 XXXX declined a check that was written by me in a grocery store. After receiving the consumer report, there was not any information listed as to why the check was declined. At the end of the report, it states that information could have been received from Chex Systems , Inc. I contacted Chex Systems and again there was not anything in the file. No bad checks, nor is there a history of bad check writing in the file from the two companies. This reporting and suggesting declines is very embarrassing and humiliating. My credit report has a fraud alert and maybe this was the reason why however this experience could have been avoided if these companies would update their information and gather precise information needed to refuse.

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 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 entered transunion.com to receive my free annual credit report that is supposed to be provided by the three major credit bureaus. I was told that the report would be free, however upon signing up, I was immediately charged {$27.00} for the service. The link took me to a site for a more premium transunion service, and I entered my account information believing that it was for identify verification purposes ( once again, I clicked on a link which I believed was taking me to a FREE credit report ). I cancelled the account within 5 minutes but transunion has refused to refund me for this fraudulent and misleading activity. The charge is still pending and they said there is nothing they can do because Ive already made use of the service. I literally cancelled this account as soon as I received notification from my credit card company that this charge was pending. This charge needs to be reversed immediately and credit bureaus should not be in the business of SCAMMING patrons/prospective customers!

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 monetary relief
Consumer complaint received 2021-08-15
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Ive reached out to all three credit bureaus Experian XXXX  and XXXX XXXX Sending letters to request an inaccurate report be taken of my account. Its been over 30 days since I first letters and Ive received no 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
Consumer complaint received 2020-12-14
Company: Collection Management Holdings, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have no idea. This number calls and will not identify who they are or what collection company they are affiliated with and or what the alleged debt is that is owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax keeps dropping my credit score without any reported delinquent accounts. From last month to this month it dropped XXXX points. I am the consumer who originally reported Equifax and their Data Breach, in XX/XX/2017. So either one of two things could be occuring with the false credit score reporting. One it is retaliation for my reporting or two someone is abusing their authority for political purposes in credit score reporting. Either way im being negatively targeted and negatively affected by Equifax and employees. I demand immediate remedy of my credit score across the spectrum of the three bureaus and action against my perpetrators.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
To whom this may concern : I am writing you today because well over 30-days I sent in a detailed letter to TransUnion requesting that they investigate false collections accounts that does not belong to me but were reporting on my credit account. I asked for the results of the investigation in clear details via letter and my request was unmet. 

This information is a violations of my right under federal laws 15 USC 1692 ( g ) ( a ) " Validation of debts ''. 15 USC 1681i ( a ) ( XXXX ) ( B ) ( XXXX ) " Notice of results of reinvestigation '' and lastly 15 USC 1681i ( a ) ( XXXX ) ( A ) ( XXXX ) " Treatment of inaccurate or unverifiable information ''. I've tried to settle this with TransUnion for months now but they refuse to send me the information that I've asked. 

My rights are being violated and they are not living up to their standards of guaranteeing complete fairness and accuracy of credit reporting under the FCRA. Please assist in anyway that you can and I greatly appreciate it in advance.

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 2021-08-15
Company: SUNRISE CREDIT SERVICES, INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sunrise Credit Services placed on my credit report a collections account on XX/XX/2021 for XXXX $ with no indication of what its for or where it came from. I've already disputed this on two separate occasions and it keeps returning and seriously damaging my credit. The original creditor is XXXX XXXX XXXX XXXX which upon further research is a scam service.

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 2019-01-03
Company: Social Finance, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
This company advertises a comprehensive credit review for the loan process, including educational level attained. But what they really do is rely on the 3 main credit bureaus to generate a score. And then they make a decision based on this score of XXXX minimum. No where in the application process did I see this. If I did, I wouldn't have bothered applying. Im the victim of ID theft, so it is hard to unfreeze my scores from the 3 bureaus just to have my credit checked. And also, because of the ID theft my score isn't very high. I have to close fraud credit lines, remove them from my record. It hurts your score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We have an open complaint case # XXXX - XXXX XXXX of Wells Fargo after beginning review via voice mail that she could not complete the review on the original promise date of XX/XX/XXXX and that she would have the results on XX/XX/XXXX. 
This delay is after the law date that Wells Fargo is aware of by indication of their lawyers as they have been notified. This is an act that has caused suits in XXXX, XXXX and XXXX that law suits were brought against Wells Fargo with results in the defendants favor. I have the two voice mails saved, none of which advise me to contact Wells Fargo ( I am reachable ) - when I contacted them via the extension provided the recording stated not a good extension ( again something mentioned in prior law suites ). I am applying for an extension of the law date but all I want is to resolve my mortgage issue and keep my home so in time Wells does not lose money as I have a bankruptcy during term of mortgage but mortgage never re-affirmed. I do not want to lose my home or pursue a law suit or class action event.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account was taken over by XXXX XXXX as of XX/XX/XXXX. Capital One no longer owns this debt. As of XX/XX/XXXX this debt was paid in full and per XXXX XXXX, removed off my credit report. However Capital One is still reporting to all 3 credit reporting agencies that I owe on this debt. I need to have this removed ASAP Original letter stating they took over the debt as well as the letter  stating {$0.00} balance is attached below Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
portfolio recovery associates {$2600.00} i have never done business with this 3rd party and they continue to report past due for 3 years causing much injury to my credit report and livlihood, they have no right to create a debt from an unknown source i have not had credit with in 2018 as showing reported. 

my social security number is not linked to that initial account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today XX/XX/15 I made several attempts online to freeze my credit with Experian. I only received a generic message saying we can not freeze your credit with no explanation. But I was encouraged to file for a fraud alert instead I then called ( XXXX ). and got the same spiel about I should request a fraud alert vs a freeze this was a robot message that said I cant help you call another day and hung up. Considering that I was able to add a freeze to the other two reporting agencies I think it is suspect and cruel that Experian can dupe people into thinking they can freeze their account only so they can sell them other services or perhaps it to beat the other two reporting agencies by being able to sell the info frozen on their sites. Experian are thieves and need to be stopped

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 2021-05-03
Company: DriveTime
State: SC
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:
There's inquires on my Report that i don't recall or recognize and i need to come off my credit because i don't recall consenting to any authorization on my Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: AXOS FINANCIAL, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to restart my mortgage payment with Axos Bank and I am unable to speak to anyone with accurate information. I have received a letter of Acceleration from the bank despite my effort over the past twelve month to communicate with Axos Bank regarding my Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
TRANSUNION, XXXX, and XXXX  each has reported a collection account including from XXXX XXXX XXXX   ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) and any other putative creditor in connection with hospital care related to her minor children. All those medical services are required to be covered under California XXXX XXXX XXXX XXXX XXXX ( XXXX ). TRANSUNION, XXXX, XXXX and their medical professional agents fail to understand that as a patient undergoing non-elective treatment they are a ward under the physicians care. In other words, a baby rushed to the emergency room because of a high fever simply can't receive a hospital bill later because the attending medical staff merely overlooked the health insurance mandate for children in the state of California and failed to enroll 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 explanation
Consumer complaint received 2019-03-20
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This complaint involves EVERY person who has loans through XXXX. XXXX is making a tremendous amount of extra money, and it is costing ALL borrowers. With XXXX 's payment system, if you are scheduled to have a monthly payment, the payment is always delayed 1-2 days, sometimes even up to 5 days if it occurs prior to a weekend with a holiday. This delay in processing a regular, recurring payment to student loans allows the interest to continue to accumulate over those next couple days. 
So this may be a common practice. My mortgage company does the same. However, this same practice occurs even when trying to make an unscheduled, 1-time payment, as if you were trying to pay down a loan. For example, if you have a smaller loan, of say {$2000.00} you have been saving money on and would like to pay it off, you can not simply select the loan of $ XXXX and pay it off at that amount. You have to request a payoff amount, which would be the {$2000.00} plus the interest it builds over the course of 2-3 days. That may amount to the price of a XXXX coffee for one person 's $ XXXX loan. But if you consider how many clients, the amount of student loans there are in the U.S. and consider the amount of time ( in years ) borrows take to pay off their loans, the amount of extra money XXXX makes on this lag-time interest is incalculable. If I want to make an extra payment on a credit card, my house, or a car, in order to pay it off early, those extra payments are deducted off my principle immediately. This is not so with XXXX. Once an extra payment is made to the principle, that balance continues to grow over the course of 2-3 days and then the payment is processed. 
XXXX is making a tremendous amount of money off borrowers due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I disputed this account XXXX 'XXXX XXXX # XXXX. As this is not mine. This account was removed off of XXXX  and XXXX, but Equifax as yet to remove it. Please remove account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: Rocket Mortgage, LLC
State: MD
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:
An inquiry was made on my credit on XX/XX/2021. The report number is XXXX. I was browsing homes to purchase on XXXX. I submitted an inquiry to see a property I was interested in. I immediately received a call from an agent at Rocket Mortgage. He wanted to get some preliminary information to see if I would qualify. I told him that I was still browsing, and that I was not quite ready to proceed with that process. I had just got a job that I have yet to start, and I also had some other things I was trying to get in order. I further told him that I was looking to purchase within the next three months or so. He convinced me to give him some of the preliminary information. XXXX  immediately decreased my credit 14 points. My score went from XXXX to XXXX instantly for me trying to look for a better home for me and my two children. I am a single dad, and it had been challenging to try to provide for my children. We have been throwing money away for so many years renting, and I want nothing more than to give them a piece of this " so called '' American dream, by purchasing something we can call our own. XXXX  is the only credit agency I have been consistently having problems with, as hard as I work to get and keep my score up. My credit score is XXXX with XXXX  and XXXX with XXXX, and they both blocked the inquiry without charging like XXXX  does. XXXX  is overly obtrusive, and disregards consumer 's privacy. They make it extremely difficult for people, particularly certain socioeconomic groups to get ahead. Please do something to regulate the practices of XXXX, and help me to restore my credit score. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: EQUIFAX, INC.
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:
XXXX XXXX started my disputes with trans-union on XX/XX/XXXX and since then have sent more letters ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) disputing various items on my account. Some have been deleted upon not being able to verify but others till remain and have not shown proper verification under the FCRA rules and regulations namely : XXXX XXXX and XXXX XXXX XXXX. These items need to be deleted as they have not been able to verify with supporting documentation the validity of the debt. 

XXXX As with XXXX, I sent request for validation of the debt on my credit report and no proper documentation under FCRA rules and regulations have been submitted to me justifying the debt. Namely : XXXX XXXX and XXXX XXXX XXXX and XXXX funding. These items need to be deleted as documentation establishing validity have not been submitted as requested. 

EQUIFAX AS with both XXXX and XXXX, items on my credit report were disputed and supporting documentation requested was not submitted. namely : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. These items need to be deleted as documentation establishing validity have not been submitted as requested. 

XXXX XXXX : These Company which allegedly hold a capital one debt in my name hasnt been able to supple subsequent documentation to validate the debt under the fair credit reporting act and has reported to the credit collection bureau without proper validation. And thus needs to be deleted from my credit file. 

In Closing all these companies have been given ample time to validate the debt on my file with supporting documentation and have failed to do so. 
Im hoping to resolve this matter with a deletion from my credit file as these items have caused me some distress. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Fees being charged by Wells Fargo

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief