BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Trans union is reporting my account as having serious and multiple delinquencies. I have NO delinquencies. NONE!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am a victim of identity theft, and Im writing to dispute certain information on my credit file resulting from the crime. On XXXX ( 11 ACCOUNTS ) that where reporting on my credit file where ( REMOVED/DELETED ) without my consent nor authorization. Im requesting for these 11 accounts to be ( RE-INSERTED BACK ON MY CREDIT FILE ) ASAP! WHEN I CALLED TO SPEAK TO A AGENT TODAY I WAS INFORMED THAT MY ENTIRE CREDIT FILE HAVE BEEN DELETED OF ALL OF MY ACCOUNTS AND PERSONAL INFORMATION! THE AGENT ONLY SEE 1 ACCOUNTS REPORTING WHICH IS A ACCOUNT THAT ( IS NO LONGER REPORTING ON MY CREDIT FILE )! I HAVE A TOTAL OF 11 ACCOUNTS THAT ARE REPORTING ON MY EQUIFAX CREDIT FILE!!!!!! I WAS ABLE TO LOG INTO ( MYEQUIFAX.COM ) TODAY ON XXXX AND IT SHOW ALL OF MY PERSONAL INFORMATION, REVOLVING, AND INSTALLMENT LOANS REPORTING ON MY CREDIT FILE. WHEN I CALL INTO THE FRAUD DEPARTMENT OR CUSTOMER SERVICE THEY ARE TELLING ME THAT MY ENTIRE CREDIT FILE HAS BEEN DELETED! THAT NO ACCOUNTS ARE REPORTING AND NON OF THE ACCOUNTS I HAVE HAD ARE REPORTING ON MY CREDIT FILE! I HAVE HAD CREDIT FOR OVER 8 YEARS AND NOW MY CREDIT FILE HAS BEEN WIPED CLEANED! WHAT HAPPENED TO MY EQUIFAX CREDIT FILE? 

I AM ATTACHING MY CURRENT UPDATED CREDIT REPORT THAT IS SHOWING ON ( MYEQUIFAX.COM ) AND ALSO ( XXXX ) SHOWING THAT ALL OF MY ACCOUNTS WHERE DELETED ON TODAY XXXX!!!!!!!!!!!! 

XXXX MY CREDIT FILE NEED TO BE FIXED AND MY ACCOUNTS NEED TO BE BACK REPORTING ON MY CREDIT FILE ASAPI NEED MY EQUIFAX CREDIT FILE TO BE UPDATED, AND MY ACCOUNTS THAT ARE SHOWING ON MY CREDIT FILE TO BE ADDED BACK ASAP! PLEASE ADD & RE-INSERT THESE ACCOUNTS BACK TO MY CREDIT FILE ASAP!!!!!!!!!!!!! 
***************************ATTENTION*************************** I AM ATTACHING MY CURRENT EQUIFAX CREDIT REPORT AND XXXX XXXX REPORT TO THIS FAX TO SHOW THE ACCOUNTS THAT WHERE REPORTING AND YOUR DEPARTMENT REMOVING THEM OFF OF MY CREDIT FILE! ADD MY 11 ACCOUNTS BACK TO MY CREDIT FILE ASAP!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

PLEASE INVESTIGATE THIS ISSUE IN A TIMELY MANNNER, AND PROVIDE ME WITH A WRITTEN RESPONSE. I HOPE THAT YOU TAKE IN CONSIDERATION MY CONCERNS REGARDING THIS MATTER, AND I HOPE TO BE HEARING FROM YOU IN THE NEAR FUTURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: MI
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 sent numerous letters via certified mail disputing XXXX inaccurate item that remains on my credit reports. I have asked for verification of the account and have not been provided with that per my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I did purchase the air tickets through the credit card during the pandemic period and the flights got cancelled and i did request the concerned flight ticket to refund the ticket expenses and did try to request the credit card people to not to charge interest on that specific amount and asked them to dispute the transaction. None of them are supporting my case and are continuing to charge interest and i keep paying to wait for the result it kind of mental tension to me..i keep on paying they don't even support with the pandemic crisis and still XXXX the blood of customer who tend to maintain good credit.

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 2019-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TransUnion and XXXX XXXX XXXX has repeatedly failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay XXXX. XXXX XXXX, XXXX, which TransUnion reports negatively that I owe this company. 

Both of these companies have also failed to provide me the method in which they used to verify this inaccurate and incomplete debt. 

TransUnion reports negative entries listing I owe {$830.00} and {$570.00} on XX/XX/2018. There is no contract. This debt is not mine.

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 2017-12-04
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Have a collection on my credit and the collection agency has never notify us about this account and they said they do n't have to notify and they are in guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24
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: Account information incorrect

Complaint:
XXXX is a predatory lender. I have a payment arrangement in place in XX/XX/XXXX for my vehicle financed with their bank. I submitted the payment and it had yet to be processed due to the federal bank holiday. XXXX still had the vehicle repossessed but then refunded all the repossession charges as it was a mistake. But they refuse to remove the reporting from my credit report. I have submitted documentation, disputed with the credit bureaus, made several calls, reported them to the district attorney in California and was told by the office of the president they would not further assist with my account. I finally sold this vehicle for negative equity in XX/XX/XXXX to be rid of XXXX. Shortly after XXXX was sued in a Class Action lawsuit for predatory lending. I received notice from the state informing me there would be documentation coming from XXXX with resolutions to serve closed accounts. I still haven't heard from 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 2021-12-02
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
EXPERIAN XXXX XXXX XXXX -- XXXX XX/XX/21 PAGE 11 OF 12 under phone numbers has a number showing XXXX in which is a business number not my phone number Experian needs to provide proof from the cell carrier and account number as contact person proof of my date of birth contract and the cell carrier contact from them with who they spoke to date and my date of birth full legal name on the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not go to the XXXX this bill is not mine. they company has failed to send any signed agreement by me to pay for any services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Nelnet, Inc.
State: MD
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:
- Nelnet accounts show late even though I have proof from Nelnet that my account was under forbearance ; forbearance negates the necessity of making payments and no late payments are collected during this time.I 've disputed and shown this proof to XXXX  and XXXX  but they've done nothing to update this - Nelnet account shows my full balance owed on the account but I've already fully paid and closed out the account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I've already reached out to my bank to report that I was scammed to transfer money in the total of {$20000.00}. I asked if they could help and recover the money since it was a fraudulent scam activity. However, my bank told me they wouldn't be able to help. The resolution I'm looking for is to report this and get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
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: Investigation took more than 30 days

Complaint:
Trans Union was sent a letter back on XX/XX/2020 regarding unauthorized accounts being reported on my credit report. It has now been 67 days and there has been no communication to me regarding the removal of these inaccurate accounts. According to 15 USC 1692 D this is harassment and extremely harmful to my reputation, 15 USC 1692 E, false and misleading to continue to report these unauthorized accounts against my credit report, 15 USC 1692 F demonstrating unfair practices towards me, a clear violation of my consumer privacy rights ( 15 USC 1681 A ( 4 ) ). Also, pursuant to 15 USC 1681 A ( 2 ) ( iii ) As a consumer I have the right to deny anything being reported and I did not provide written consent to place these unauthorized accounts in it, this is also a clear violation of 15 USC 1681 B ( 2 ) ( A ) as I am a victim of identity theft ( 15 USC 1681 C 2 ).

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 2020-02-24
Company: I.Q. DATA INTERNATIONAL, INC.
State: MN
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:
Recently when I applied for a Line of Credit with XXXX XXXX XXXX I was informed that I have a collection for {$3400.00} on my name for a lease some one signed at XXXX XXXX  XXXX XXXX. The lease was signed by a person named XXXX XXXX and has a name of XXXX XXXX as Guarantor. I do not even know any of these names and did not sign any lease for anyone. Even when I got a copy of the lease there is no mention of my name or anywhere I signed. 
I have told the company to correct the mistake on their side but nothing has been done yet. This is impacting my ability to get my loan refinanced. 
Creditor- XXXX  XXXX XXXX XXXX  in XXXX and the debt collector is IQ Data International Inc , XXXX XXXX XXXX XXXX # XXXX, XXXX WA XXXX

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 2020-02-24
Company: EQUIFAX, 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:
My sister informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX  XXXX XXXX {$6500.00} XXXX XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX XXXX {$5500.00} XXXX  XXXX  XXXX   XXXX {$96.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: WELLS FARGO & COMPANY
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
So some unauthorized transaction been going my XXXX XXXX account an XXXX  XXXX I never approve of any of the transaction they transfer information to different emails an phones I never approved by using spoof and thats how they ended up transferring money. They also applied for a ppe loans and open banks an phone accounts under my ssn # I block my ssn # so it can stop hopefully it helps out

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 2020-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I asked for a {$250.00} increase to my mastercard issued by Capital One which has a {$750.00} limit. This increase would have increased my credit from {$750.00} to {$1000.00}. I received a letter that my request was denied because I only make {$25.00} minimum payments each month This is not true because I make {$100.00} payments each month and have never missed a monthly payment. These {$100.00} payments alone should have qualified me for an increase. Also, the letter stated that my existing credit line has been too high. However this is why I asked for the increase because a {$750.00} limit is insufficient. I am an XXXX-XXXX  female age XXXX with an annual income of {$94000.00} per year from my retirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: AMERISAVE MORTGAGE CORPORATION
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Initiated refinance loan app XX/XX/XXXX. Paid {$470.00} fee to Amerisave on XX/XX/XXXX. Loan still has not closed as of XX/XX/XXXX. Very poor customer service I qualify for this VA cash out refi based on my great credit scores and income. I also have equity in my home. Amerisave was very quick to take my {$470.00} deposit to start the loan process on XX/XX/XXXX, and all requested documents were submitted within 30 days of starting the process. By early XXXX I began to inquire about the status of my loan and was told it was in queue waiting to be reviewed by underwriting. In late XXXX my loan originator XXXX advised me that locking a rate of 2.25 would ensure the loan would close in 30 days. I agreed to lock the rate and I am still waiting to close. Now Amerisave is not accepting my HOA CC and R documents and won't accept statements from my HOA administrator that I have no debt. I have lived in my home for many years and have done 2 previous refi VA loans with zero problems. But they stated my HOA documents dont meet VA requirements. Amerisave continues to bait and delay the process without justification.

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 monetary relief
Consumer complaint received 2020-02-24
Company: EQUIFAX, 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 pulled my credit to myself because I was alerted when my social security card getting stolen and I saw a list of derogatory items that are not mine including many inquiries. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. I have never given authorization to open any of these unknown suspicious accounts. 

XXXX XXXX {$46000.00} XXXX  XXXX XXXX   XXXX {$58.00} XXXX  XXXX {$2600.00} XXXX  XXXX {$1200.00} DEPTEDXXXX   XXXX XXXX {$1300.00} DEPTEDXXXX   XXXX {$3500.00} XXXX XXXX XXXX XXXX {$2600.00} DEPEDXXXX XXXX {$1000.00} XXXX  XXXX  XXXX {$1100.00} XXXX/XXXX   XXXX {$170.00} DEPTEDXXXX XXXX {$0.00} DPT ED/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Nelnet, Inc.
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My daughter was attending college up until XXXX, I had moved from Minnesota to Virginia in XXXX. In XXXX I pulled my credit and noticed there were derogatory reports on my credit report from a " nelnet ''. I had no idea who or what this was. So I called the company and asked what the issue was and why it was being reported to my credit report. After going through verification the customer service representative got rude, was swearing and threatening me. I again told XXXX that there was no need to use such language or threaten me and was happy to work with them to clear this off my credit report since I was unaware of this bill. XXXX did not have my recent address since I had moved out of state. When I had updated them with the correct contact information the calls came all hours of the night as shown by my cellular records after repeatedly telling them not to call. My first request to cease and desist was XXXX of XXXX, yet the threating phone calls kept coming in getting me all worked up. The reports that XXXX have made and continue to make to my credit are false, when I explain to them it was an oversight and try to correct it, XXXX again starts swearing and telling me that they are there to ruin my credit scores across the 3 bureaus and make sure I do not obtain a good paying job of any kind. In fact when I have tried to work with XXXX to get this paid off in full so this does not affect my job search the customer service lady laughed and suggested that I go work at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
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 sent police report an FTC report. I sent XXXX  XXXX report. And they dont have a consumer contract with my signature on nothing. XXXX  XXXX said that they dont no how the application was submitted. Experian has been very unhelpful. I would not trust them again. I will leave my credit file frozen for ever. If companies does business with them I will op out. Only XXXX or XXXX  will I do business. Thanks

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 2020-02-24
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2020, I called Equifax because I could not log into my online account and I just signed up on XX/XX/XXXX. Initially I spoke to a male customer service agent and after a few minutes I requested a supervisor because he suggested that the issue was my browser but I explained that it was the same browser that I used to sign up and had used successfully several times after signing up. My call was transferred to XXXX, Employee ID # XXXX, and he suggested that I clear my cookies or use a different browser than XXXX because Equifax didnt recommend it. He said that he could tell me how if I used one of the browsers that they recommended. He went on to tell me that Equifax suggested that I use any of the following browsers such as XXXX or XXXX and I laughed because I told him that XXXX is XXXX and then he said that he wasnt sure if he could tell me how to clear my cookies after all and that I should contact XXXX directly and once again I laughed. He then said tried to suggest that it was my computer that was the issue and that was why I could not log into Equifax. I asked him if they would cancel my account and issue a full refund and he said that they would not give me a refund but that they would be happy to cancel my account. Once again I laughed and asked him if he was crazy or thought that I was just going to allow them to keep my money. I asked him to transfer me to the next level of management and he said that he was the highest person in management. At that point I explained to him that I planned to file a complaint with the CFPB, XXXX  and the FTC and he simply said ok. He then said please hold for a two question survey and the call concluded.

Company response to consumer: Closed with explanation