BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-29
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: Was not notified of investigation status or results

Complaint:
XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 50 days later I have not received a response yet. I feel like my disputes are being dismissed and I am being taken advantage of. In section 611 ( a ), plainly states that a failure to investigate these items within 30 days provides a basis for immediate removal of those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
XX/XX/2020 {$4900.00} Was deposited to my cash app account and since that i havent been able to withdraw or spend any of my funds several attempts have been made to contact cash app regarding this situation and the company has yet to try and resolve my issue I would like for your company to reach out to cash app to release my funds I have XXXX new born children that I have to financially support.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from 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 2020-10-30
Company: Mobiloans, LLC
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:
this company MOBILOANS LLC I have paid more than two years, I need this abuse and report to my person and my credit to be corrected immediately! He held MOBILOANS LLC directly responsible for not ERASING an account already paid from my credit and for continuing to use my ID to damage my credit!

Company response to consumer: Untimely response
Consumer complaint received 2020-12-09
Company: Waypoint Resource Group, LLC
State: OR
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:
On XX/XX/2020, WAYPOINT RESOURCE GROUP add a derogatory marks on my credit reports per XXXX, XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA WAYPOINT RESOURCE GROUP has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My Navient account record states that my private student loans were sold three times in the past seven years : on XX/XX/XXXX for {$15000.00}, on XX/XX/XXXX for {$16000.00}, and again on XX/XX/XXXX for {$11000.00}. 

I was never notified about these sales and I do not believe that Navient has legitimate ownership of them, yet Navient continues to send threatening letters to me and make harassing calls to my phone number, saying they intend to escalate collection efforts and initiate litigation. I am XXXX with XXXX XXXX XXXX and have {$0.00} income and no assets, and I have informed Navient of this situation, yet they continue to harass me daily for collection of these loans which are not owned by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX/XXXX  XXXX Balance : {$0.00}, XXXX/XXXX  XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2020-10-17
Company: Experian Information Solutions Inc.
State: NY
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:
After notifying XXXX of Unauthorized charges they continued to charge me again, and with the effects of Covid looming over the entire world, it is impossible to communicate with anybody about this issue. In XXXX they ( XXXX ) issued me half of a credit XXXX of a XXXX charge, and then proceeded to charge me again XXXX on XX/XX/XXXX. In the midst of the back, and forth with these unauthorized charges that XXXX XXXX XXXX should not have allowed, there was a payment missed that I was not aware of, and it has affected my credit rating. Now I am looking to obtain a mortgage, and these ridiculous unauthorized charges have affected my credit score .Please have my credit score restored, while I resolve this dispute with XXXX  XXXX XXXX allowing the, after I told them not to accept charges from these people at XXXX , and XXXX to stop.

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 2023-01-28
Company: Total Card, Inc.
State: IL
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: Problem with personal statement of dispute

Complaint:
Covid 19 Pandemic really affected my ability to pay my creditors so I am asking for the charge off to be removed from all 3 credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I have disputed on 3 different occasions with this company to validate the erroneous accounts in question. I have certified mailed them a envelope with enclosed proof of my identity, proof of address, along with the erroneous accounts around XX/XX/20 they received it on XX/XX/20 2nd time was on XX/XX/20 they received it XX/XX/20. 3rd time proof was sent out on XX/XX/20 they are expected to receive it by XX/XX/20. All except for the last one have not received a response via the mail at all i am still waiting. Ive also sent information online via the CFPB portal to this company twice which the response was that this request was not sent on my behalf.Its been beyond 45 days since initial contact with the company and my follow up responses with them. I believe that this company does not abide by the laws of the Fair Credit report Act so i have no choice but to seek litigation. 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 2020-11-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The UNNAPPROVED weekly charges added by XXXX SHORTLY AFTER I XXXX XXXX ; AND MORE ADDED IN XX/XX/XXXX caused a banking balance system trip. THIS IS A COMMON OCCURENCE, THE WEEKLY RECURRING SUBSCRIPTION CHARGE IS A 'BURNER ' TO BANKING ACCOUNTS. THE SOFTWARE I SIGNED UP FOR WAS ONLY FOR A WEEK TRIAL. I HAD AUTORENEW, BLOCKED ON MY ACCOUNT, AS SEEN IN SIMILAR SUBSCRIPTION TRIALS AT XXXX. PEOPLE ALSO ran hotel fees and caused BALANCE reporting delays. Ultimately, the recurring weekly fees stopped the system as they misreported the account. THEY THEN CLOSED MY ACCOUNT WITHOUT ALLOWING DISPUTE CORRECTIONS. THESE ACTS CAN BE TRACED TO THE INDIVIDUALS INVOLVED. 
THERE ARE incorrect/3rd party notifications and, incorrect balance ; leading to charge decline s at POS. I am always aware of my actual balance. There is a wire transfer from XXXX XXXX XXXX for {$10000.00} confirmation XXXX XXXX XXXX ACCT XXXX I have not received this transfer. There are many XXXX refunds. Total ing {$4000.00}. I have confirmation of these refunds ; but ; they were not reported. I have XXXX in my account in XXXX. I know incorrect reporting has caused my entire balance to be inaccurate. Also a refund from XXXX XXXX for {$3200.00} was not reported. I have email confirmation of all refunds and the wire transfer. They were never reflected on my Wells Fargo account. Please insure my deposits. My account number : routing : XXXX account : XXXX Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE A PDF DOWNLOADED FILE OF THE ENTIRE BANK STATEMENT. IT SHOWS RECURRING CHARGES ON ALMOST EVERY LINE. I DID NOT AUTHORIZE THESE. unauthorized people WERE USING MY FUNDS THE ENTIRE TIME. NOTE, THERE FOOD CHARGES FROM THE START IN XX/XX/XXXX ; I DID NOT EAT AT THESE PLACES ; NORE WOULD I SPEND {$190.00} AT A XXXX. THERE IS A {$3000.00} SMOKING FEE. THEY BLATANTLY MISREPORTED TOTAL BALANCE. XXXX PARKING ATTENDANTS ALSO INVOLVED. 
I HAVE HAD {$55000.00} STOLEN SINCE XX/XX/XXXX. {$32000.00} SHOULD BE MY BALANCE. BUT EVERY CHARGE WAS MANIPULATED. I AM PULLING THE STATEMENTS FROM XXXX ON. AND MY XXXX EARNINGS DEPOSIT AFTER I WAS LAID OFF IN XXXX. THAT WAS DONE BY THE SAME. I PAID ALL OF MY BILLS FORWARD WITH IT. MY CREDIT WAS BACK TO XXXX BEFORE THEY BEGAN BLOCKING ALL OF MY INCOME SOURCES .THIA WILL ALL BE RESTORED WITH AUTOMATION. IT IS IMPORTANT TO CHECK YOUR ONLINE STATEMENTS REGULARLY.

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 2020-11-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am incredibly upset! My underlying reaction to the erroneous thing on my acknowledge report sent as expressed in a previous message on XXXX. Today is XXXX. Ordinarily by law, you should react inside 30 days. During these troublesome occasions, all of you have been given an augmentation which I comprehend. In any case, it has been well over the expansion period given. I have exhorted you on in excess of 3 unique events. I am beginning to accept this is a slow down strategy on you all 's end. I request your organization eliminate this mistake from my credit report or face suit. On the off chance that you don't eliminate this wrong data promptly I will document a formal complete with the FEDERAL TRADE COMMISSION! I am staying aware of the entirety of my records and types of correspondence with you on this issue just if there should be an occurrence of documenting a grievance with the FTC on the off chance that you keep on choosing not to collaborate. In Wenger v. Trans Union Corp., No 95-6445 ( C.D.Cal.Nov. 14, 1995 ), you will be considered answerable for your choice not to not agree. My family and I are being compelled to pay higher loan fees and denied by numerous organizations when attempting to buy essential necessities to get by during this troublesome monetary period. In the event that your next reaction to me isn't a unique application with my mark on it or a letter expressing that the deceptive data that is disregarding the Fair Credit Reporting Act isn't erased I will proceed with my FTC grievance. As shown by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by government law to affirm, through the real check of the principal stamped purchaser contract, all records that you post on a credit report. Else anyone paying for your itemizing organizations could fax, mail, or email in a bogus record. I interest to see clear proof ( i.e. : a unique purchaser contract with my mark on it ) that you have on the report for the record recorded underneath. 

Your failure to quite check these records has hurt my ability to obtain credit. Under the FCRA, wrong and mysterious data must be erased from a consumer 's 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 2023-01-28
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent in dispute requesting and investigation of the items they said were verified by creditors it has now been way over 60 days and I they have not supplied evidence of the supposedly verified account. Section 611 ( a ) is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since being it is well over 60 days they should be deleted promptly. I demand these items be deleted immediately or I will file for litigation due to stress you caused me. My information was also involved in the XXXX data breach and May have gotten into the hands of the wrong person. My information was also involved in a cyber attack whereas my information had been compromised 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 explanation
Consumer complaint received 2020-09-10
Company: Experian Information Solutions Inc.
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:
ALL 3 CREDIT AGENCIES CONTIUNE FREASH DATA REPORTING FRAUD ACCOUNTS AND NEVER DONE BUSINESS WITH COMPANIES, ACCOUNTS OUTDATED

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 2018-03-01
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened a Citi XXXX XXXX XXXX XXXX XXXX credit card account in XXXX and at the time that I signed up for the account, Citi was offering a {$650.00} statement credit if you spent {$2000.00} within the first three months of opening the card and then later purchased a cell phone with plan from XXXX XXXX XXXX. I completed the required spending and then waited to purchase my phone until XX/XX/XXXX.  On XX/XX/XXXX I purchase an XXXX XXXX through the link provided in my Citi account for {$1200.00} ( see attached credit card statement showing the purchase ). I was told that the {$650.00} credit would post to my account within 2 billing cycles of purchasing the phone but I have yet to see the statement credit. I have contacted Citi and provided proof of the purchase of my XXXX XXXX XXXX phone but have not received the credit. Instead, Citi opened up a dispute of the phone purchase ( which I explained was not my intent ... ..I did NOT want to dispute the purchase from the merchant. Rather, I wanted the promised statement credit from Citi ). I have called Citi several times to resolve this issue without a satisfactory 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 monetary relief
Consumer complaint received 2018-03-01
Company: Merchants' Credit Guide Company
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I pulled my credit report at the beginning of the new year XX/XX/XXXX. I was not aware of this new company, Merchants Credit Guide now collecting on a debt for XXXX XXXX XXXX XXXX. I never received any type of written or telecommunications from the company. I disputed the information shown on my credit report back in XX/XX/XXXX. The company Merchants Credit Guide failed to send any type of verification of the debt. I called the company today, XX/XX/XXXX, to figure out what I could do to get this false information off my credit. The manager, XXXX XXXX, raised his voice saying I needed to find my original contract because there are laws on contracts and then hung up on me. I felt very threatened and disrespected. I have no idea who this company is, but they are aware of my dispute, but they never felt the need to contact me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-12
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XXXX/XXXX/XXXX, I woke up to emails from western union stating two large sum transfers were initiated and picked up totaling {$5000.00}. I did not make these transfers nor did I authorize them. I called western union to report the fraud and was told all they could do was close my account. They did not give me a fraud file claim number or any additional information and are unwilling to help investigate or recover the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Dovenmuehle Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I want you to know that I understand my financial obligations, and have an excellent repayment record. I requested to explore my loss mitigation options in XX/XX/XXXX to eliminate any financial penalties (late fees, credit worthiness) after suffering from an unfortunate and unforeseen life event leaving me with a $XXXX bill. I was assigned to XX/XX/XXXXTay who struggled to communicate the terms of the repayment plan and next steps. I sent a money order by completing instructions from XXXX and signed the repayment agreement. I continuously followed up via phone and email to check status and confirm that everything was properly in place. There were some lapses in communication but I was informed that while my contract and payment was received as agreed Dovenmuehle’s bank couldn’t process the payment and would resend it via traditional mail. I also was informed that money had been sent to me via XXXX XXXX which wasn’t correct. I called XX/XX/XXXX several times to understand how to quickly remedy this issue and to advise that I had not received my returned payment. Additionally I specifically inquired about how this would impact me financially (reporting and fees) and she stated it would not. If she had responded to questions differently (accurately) I would have never entered into this agreement. I emailed to ask how I could pay instantly as I had issues getting a refund for XXXX since it appeared to be processed however I never received a response. To remedy this manner as soon as possible please remove the late payment that was reported. I also do not trust the advisement received from my loss specialist (XX/XX/XXXX Tay) and believe that I deserve counseling from another rep to truly understand the terms of the agreement. I have canceled the repayment plan that I was in compliance with (&was told this would be the agreement I needed to honor for 12 months) in order to create a win-win for all involved. I truly believe that the measure does not reflect the accuracy of this situation, my creditworthiness and commitment to repaying my debts. To show my dedication for resolving this issue I provided  full payment on XX/XX/2019 to cancel my utilization of the repayment plan. After this traumatic and deceptive experience I believe this company should better train their staff and remove this mark immediately

Company response to consumer: Closed with explanation