BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-13
Company: EQUIFAX, INC.
State: WI
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:
We have disputed an item on our credit report that is inaccurate with the three reporting bureaus ( joint reporting ). XXXX and XXXX corrected the error and removed the item. Equifax has not corrected the problem. 

The item in question is from XXXX XXXX XXXX XXXX   XXXX XXXX XXXX for {$87.00}. It is disputed because it is not our debt. We have been over this time and time again with the apartment complex and with the collection agency. Their incompetence and intent on being malicious and intentional in attempting to collect this debt is becoming irritating and annoying. We have demonstrated that it is not ours through pictures, letters, e-mails and conversations. The collection agency recognized that it is not ours but still insists on not correcting it because they have to go by what XXXX XXXX XXXX XXXX says they must do. This insanity has to stop NOW! 

We are tired of talking and proving to these crooks that it is not our debt. We now hold Equifax accountable and insist that they hold their poor business practices accountable to their error and oversight and immediately fix this problem by removing it from both our credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Scheer, Green & Burke L.P.A.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a letter from Scheer, Green and Burke, Co. L.P.A. stating that I owe XXXX with an account number of XXXX to XXXX XXXX XXXX. 
I tried to call and make contact to verify the debt on XX/XX/XXXX, XXXX XXXX, XXXX and the XXXX. No calls were answered when my call was said to be 1st in line and I was eventually sent to voice mail. I left my name number and account number and there has been no attempt to call back from them. 

I got ahold of XXXX XXXX XXXX on XX/XX/XXXX and discovered that my bill was paid in full when my check was cashed on XX/XX/2019. They told me I had to dispute the collection with the agency but, the agency doesn't seemed staffed to deal with people just a website designed to take payments. This is an aggressive design with no option other than forcing people to pay to salvage a mark against their credit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I received a refund for an broken item purchase on eBay from XXXX on XX/XX/XXXX shows up refund credit {$30.00}. But XX/XX/XXXX the fund is being held for merchant credit held for review. " American Express national bank ''. My prepaid bank account has started holding refunds for an additional 7 days and I don't even write checks or give them any reason to hold the funds my account is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
In XX/XX/2020 I became a Covid-19 affected employee. 
In XXXX 2020 I missed a payment on my Comenity BankXX/XX/XXXX credit card account. 
I called the company and asked for a good-faith removal of my late payment due to my spotless 3-year on time payment history. They sent me a letter agreeing to remove the XXXX 2020 late payment. I have attempted several times to update the credit bureaus, however, the credit bureau states the creditor confirms the late payment information as accurate. I now can not get a mortgage based upon this reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
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: Public record information inaccurate

Complaint:
Good Afternoon, On XX/XX/2019, we filed for bankruptcy due to medical illness and the process of applying for XXXX  XXXX. My XXXX  XXXX was approved XX/XX/2019 so we cancelled the bankruptcyXXXX. The Bankruptcy was dismissed/Closed by the US Bankruptcy Court by XXXX XXXX XXXX USBK Court XXXX Texas XXXX XXXX XXXX. 

In reviewing our credit report we noticed the bankruptcy report was on our record from XXXX, XXXX and Transunion. We filed a dispute with all three bearus and XXXX and XXXX deleted the report from our record, however Transunion did not remove it from the record. I have filed two more disputes with Transunion and they refuse to remove the bankruptcy. This is hurting my credit and having a hard time getting credit. 

Please assist in getting the bankruptcy report off my credit. 

Thank you, XXXX XXXX XXXX ( XXXX ) 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 2018-01-30
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit 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:
In response to Citibanks letter dated XX/XX/XXXX for my Citi Best Buy accounts ending in XXXX ( Old account ) and the new account ending in XXXX ( see letter attached ) I received all the statements and receipts and i can confirm all transactions after XX/XX/XXXX where unauthorized. 
This is the 3rd time I have informed Citi bank of the unauthorized transactions The transaction in XXXX Florida for {$900.00} in mine, as i previously said, I was in Florida from XX/XX/XXXX to XX/XX/XXXX XXXX ( see attached boarding pass ) However, all the other transactions from XX/XX/XXXX through XX/XX/XXXX are unauthorized. I did not make them, sign those receipts and I did not profit from them in anyway. This is including the pay by phone payments on XX/XX/XXXX & XX/XX/XXXX. They were not made from any of my checking accounts. 

Additionally, If there is anything else Citibank feels they need to discuss it MUST be written communications. Therefore, In the event there is a civil claim, it is best both parties have equal access to all the historical facts. I stated this in my previous correspondence and I am stating it again. 

In the meantime, I am advising Citibank to conduct themselves appropriately. Which, to this point you have failed to do. I AM REFERRING DIRECTLY TO THE MID-CYCLE POSTING OF THE BALANCE FOR ITEMS I HAD JUST A FEW DAYS EARLIER DISPUTED.

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 2021-11-06
Company: Credit Corp Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX E-mail : XXXX RE : XXXX XXXX In reference to the above reference and in reply to your noticed received on XX/XX/2021 and to my telephone conversation with your office, this debt is fraud and does not belong to me, it was never opened by me, I've been a customer with XXXX for over XXXX years and my account is in good standing. I was a victim of credit fraud in the past since my car got stolen few years back and the thieves got access to my personal information from my car. 
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Back in 2015 my wells fargo account was compromised when someone in the company opened a credit card account. This was apart of the large wells fargo breach that happen XXXX of 2015. Due to this fraudulent act my information has been comprised and is affecting my credit score. I will work with all three bureaus so I can these negatives 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 non-monetary relief
Consumer complaint received 2022-01-06
Company: Experian Information Solutions 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:
I have attached and FTC report I have already tried to send to the Bureaus and they aren't responding that's why I am reaching out to you guys

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 2020-11-10
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: Account information incorrect

Complaint:
I am writing this due to non-compliance with the CRA. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They can't continue to report this negative information because it's false, I'm trying to better my life, and these negative accounts hinder me from doing such. I have filed with the Attorney General as well, I will attach their response to this complaint.

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 2019-01-14
Company: TIDEWATER FINANCE COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under XXXX/TFC. I requested a validation on XX/XX/XXXX as there was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me.Therefore on XX/XX/XXXX I sent a direct dispute to XXXX XXXX requesting that account be removed from my profile as the creditor failed to validate the account in a timely manner. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally attempt to collect on this account and this account continues to negatively affect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Experian Information Solutions Inc.
State: DE
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, XXXX XXXX, XXXX XXXX THESE ACCOUNTS PROVIDED NO CONTRACT OR NO SIGNATURE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Couch Conville & Blitt LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019 I received a consent judgement paper in the mail for myself, along with another person 's personally information inside of my letter. 
I received her legal information with her last four SS #, her name, and her address. 
I contacted the Attorney 's office XXXX, XXXX, and XXXX, XXXX. I let them know what happened, the person XXXX I spoke to just asked that I sent it back. I then spoke to the Supervisor XXXX XXXX at the Attorney 's office his number is XXXX ext XXXX. Mr. XXXX stated it was a sorting mistake, and he will escalate this error the Manager of the mail room. I also mentioned that I wanted the balance of the debt erased and a letter stating it was taken care of. I also let them know that I have filed a complaint with the Federal Trade Commission as well. 

I also contacted the lady that I received her information, she also let me know that she received my information as well. 
She just put a sticky on the my information and mailed it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: PNC Bank N.A.
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
My Pnc bank disconnected from XXXX about XXXX weeks ago before the quarantine and since then I wasnt able to use the app for payday advances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: WELLS FARGO & COMPANY
State: CA
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:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on WELLS FARGO ( Account number : XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
After several attempts to get an inaccurate report of a Chapter XXXX Bankruptcy removed from my credit file, in XXXX, I finally provided the correct proof and the only third party agency that was reporting the Bankruptcy was XXXX XXXX and they removed it. I submitted that information to all three credit reporting agencies one of which was TransUnion. I submitted the letter from XXXX XXXX showing that it had been removed, I submitted the letter from the actual Bankruptcy court stating they do not report public information to any credit reporting agencies and TransUnion still provides information only stating that their information has been verified as accurate when I have asked them multiple times to provide me the name of the agency to which they received their verification from. If they were to provide that then I can contact them to have my report corrected and the Chapter XXXX Bankruptcy removed. 
I have provided the letters written to TransUnion asking for validity, the letter from the Bankruptcy court and the letter from XXXX XXXX showing their removal of the inaccuracies as well as XXXX response yet again after I provided them all of this information and they have not removed the inaccuracies nor provided information as to how they verified and with whom. 
Please check dates of all correspondence.

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 2019-05-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian has put a freeze on my account which i am having trouble removing. They have no customer services. Their menu options have two to choose from and then it hangs up on you. How is this OK? They have complete control of my credit and can not address any of the issues. Why are you allowing this terrible company to treat people this way.

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 2020-11-10
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-06
Company: CITIBANK, N.A.
State: NV
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BBY/CBNA XXXX Balance Owed : {$4200.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2019-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Two credit accounts were opened WITHOUT my consent or knowledge. One was XXXX ( XXXX ) and the other was XXXX XXXX. I found out about these fraudulenty opened accounts while checking my credit report on XXXX XXXX. I would like to investigate further into these two unauthorized opened accounts and want to know how this will not continue to happen. Also, I would like to know when the negative impact on my credit report will get reversed. 
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 2021-07-14
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I dispute this information with Navient and they keep parroting back that the information is accurate when it is not. 
In 2017 I called my student loan Federal loan to get IDR. I was approve for IDR and and Navient contact me that they got the IDR. But now Navient keep reporting me as late in from XXXX to XX/XX/2017 and then XX/XX/2017. What is strange about it is that I was current in on XX/XX/2017 and mysteriously Navient report my account 90 days late in XXXX. I disputes this and Navient refuse to correct the wrong reporting. 
Also Navient is reporting XXXX XXXX account that is inaccurate.There is another account XXXX/ Navient which is a duplicates and should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We asked about some generic options regarding removing the private mortgage insurance from our current home loan. Our inquiry was to the Loan Officer, XXXX XXXX with Wells Fargo, he originally handled our purchase ( as well as works for the company still servicing our loan ) and we thought he would have access to know at what loan to value we would need to be at for this to occur based on our current/ original terms. We were inquiring specifically about getting an appraisal on the home to establish value and remove the monthly PMI on the current loan. We asked about our options- We did not apply for a refinance or give authorization to pull credit from either borrower on the loan but shortly after received an email as if we submitted a loan application. As soon as we received the email about setting up a new loan process ( an " e-consent '' for initial disclosures ) It was clarified to the Loan Officer that we were not interested in obtaining a new loan or refinancing and asked him to withdrawal our application. Because we didn't give our authorization for the e-consent we received an overnight disclosure package in the mail 2 days later. The paperwork shows all old/incorrect information from our old file because we never gave him updated info for an application. We are frustrated to have had our credit pulled without our permission and then even more frustrated that after we clarified that we did not want to refinance that we still received loan docs in the mail. The LO should have cancelled our application before anything had been sent.

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