BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Transunion has sent my credit report to an address I have never lived and they made the mistake twice this month. Now one of my accounts have experienced fraud twice this week. This is something that just started happening and Im not sure how it happened but Transunion had no business sending my credit report to an address that I dont live. An occupant of the other address provided me my consumer report if they had not I wouldve known it happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my credit report to provide to a loan company to co-sign for purchase of a property. I saw the entry for ICSystem & reported it as an incorrect entry to the credit bureau. Within 2 weeks, I received a notice from ICSystem regarding a XXXX account totaling {$300.00}. I have not had a XXXX account for a number of years & have never received any correspondence from ICSystem or XXXX during that length of time. I believe this is a fraudulent attempt to collect money where none is due or owed. I have requested any/all documentation that exists regarding this alleged balance due.

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 2018-06-28
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX is purposely preventing me from fixing my credit, please revie 11 page Attachment that shows unlawful debt collection practices regarding caking cops, among other things.

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 2018-07-17
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loan provider, Navient, has repeatedly provided misleading information about accrued interest and most recently when I set up auto pay in XX/XX/XXXX around the first of the month when my payment was due, the customer service rep stated that my payment is not due until XX/XX/XXXX. She made it sound like I was ahead of schedule on payments so I wouldnt have another payment until XX/XX/XXXX, therefore skipping my XX/XX/XXXX payment. When XX/XX/XXXX came around, none of my payment went towards the principal because I had accrued double of what I normally pay per month. When I called to ask why today, I was told that they moved the date to XXXX as a courtesy. This, to me, among other things is very misleading!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Debt Relief Center
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
My Fico Score is XXXX. I don't have unpaid debt to collections.

Debt Relief Center ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX above has been sending robocalls to me and my family for about two years ( landline and cell phones ) without identifying themselves.

XX/XX/2018 : I received an Important Notice from them ( Attached ).

I send the a certified letter to Debt Relief Center to cease and desist communication with me and my family ( Attached ).

XXXX ignored my request and continue calling me twice ( morning and afternoon ) daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA information reported as fraudulent should be BLOCK from the  consumer credit file. 

Please provide me with a copy of an updated and corrected credit report showing these items 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 explanation
Consumer complaint received 2018-10-13
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
XXXX has been with drawled from my checking since XX/XX/2018 they have called from various numbers and are harassing me and my family area code XXXX, XXXX, XXXX,. XXXX,. XXXX,. XXXX,. XXXX,. XXXX,. XXXX please help me??

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 2019-08-29
Company: John C. Heath, Attorney at Law, PLLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I look at my statement at the credit union numerous times a day & on Thursday+ XX/XX/2019,  {$16.00} was fraudulently withdrawn/stolen! 
I was deemed a victim of identity theft soon after the death of my Mother! 
When I.called the phone # on the account, I learned it was Lexington Aw?, I never had an account but the lady wantd my account number after saying she only needed phone # which I provided but I Am attempting to recover from ID theft NOT MAKE IT EASIER for Lexington Law to steal it!!? 
I get my credit report free & recently got XXXX & XXXX so why would I pay? 
I dont pay for my credit score and I do Not deal with Lexington Law ( to my knowledge ). 
Now, the Credit Union is doing an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA information reported as fraudulent should be BLOCK from the consumer credit file. 

Please provide me with a copy of an updated and corrected credit report showing these items 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 explanation
Consumer complaint received 2018-03-29
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was charged for a purchase that I did not make : on XX/XX/2018, a charge of {$420.00} was made through XXXX ( XXXX ) on my credit card. I did not purchase this item-this charge is fraudulent. 

I immediately disputed the charge, and closed the account : however, the merchant is stating that I did make the charge. The credit card ( Citibank ) has re-charged me the {$420.00}. I called Citibank to, again, dispute the charge today. I am not sure how to resolve this back and forth : I am willing to speak with anyone to clear up the details moving ahead, but I am being unfairly and incorrectly charged at the moment.

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 2017-08-01
Company: HYUNDAI CAPITAL AMERICA
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: Was not notified of investigation status or results

Complaint:
I had leased a vehicle and paid off all of the dues back in XX/XX/XXXX, returning the vehicle to the dealer. The Hyundai Motor Finance company billed me {$750.00} for the excess wear and tear, that was paid off on XX/XX/XXXX via a check that cleared XXXX XXXX, 2017. To my surprise I find I was reported to the credit agencies as missed my payments for 2 months. This was without any prior communication. My credit was  hit over XXXX points. I tried to call HMF, but they would only say they have no information and I need to connect with their collection department.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: Paypal Holdings, Inc
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On the same day, I received two different letters, one from XXXX XXXX XXXX XXXX and one from XXXX XXXX XXXX XXXX, both asserting PayPal , Inc. as a creditor. The XXXX amount was {$620.00} and the XXXX XXXX amount was for {$50.00}. I checked with PayPal. I have no debt. My account is clear. None of the account numbers on the debt collection letters are mine. Both were mailed to an address I moved from 12 years ago, in 2006. This is clearly identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
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 WAS RECENTLY INFORMED VIA A BACKGROUND CHECK THAT THERE WERE MULTIPLE COLLECTION ACCOUNTS AND INQUIRES THAT WERE FILED WITH CHEXSYSTEMS IN MY NAME. I DID NOT AUTHORIZE ANYONE TO OPEN UP ANY ACCOUNTS IN MY NAME NOR DID I AUTHORIZE ANYONE TO WRITE CHECKS IN MY NAME. I HAVE BEEN THE VICTIM OF IDENTITY THEFT FRAUD SINCE 1986. I HAVE DISPUTED THIS WITH CHEXSYSTEMS ON THREE SEPARATE OCCASIONS, BUT THE FRAUDULENT INFORMATION IS STILL BEING REPORTED BY THEM. 

THERE ARE MULTIPLE ERRONEOUS NAMES, ADDRESSES AND DATE OF BIRTHS THAT ARE CURRENTLY BEING ASSOSICATED WITH MY REAL NAME AND SOCIAL. THERE ARE ALSO MULTIPLE INQUIRES THAT WERE NOT INITIATED BY ME NOR I AUTHORIZE ANYONE TO DO SO. 

***FRAUD NAMES : XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXXXXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX ***FRAUD ADDRESSES : XXXX XXXX XXXX XXXX IL , XXXX XXXX XXXX XXXXXXXX IL , XXXX XXXX XXXX XXXX IL , XXXX XXXX XXXX XXXX GA , XXXX XXXX XXXX XXXX GA , XXXX XXXX XXXXXXXX XXXX XXXXXXXX IL , XXXX XXXX XXXX XXXX IL

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 2018-10-13
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I would like to file a complaint about my student loans accounts. The credit bureaus make it so hard to check your score if you can't. I was in school until early XXXX and was never given my diploma nor did I receive work. 

I have not worked since XX/XX/XXXX because of a couple XXXX I've been suffering from since XXXX. I am trying to get my student loan account current and even though it is now in forbearance, I feel the late fees that occurred ever since I finished school with XXXX university in early XXXX, are seriously hurting my credit score and are preventing me from going forward. It was brought to my attention recently that my credit account claims that I am responsible for 241 late  payments which is impossible as I believe I was current as of early XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX my bill did not go through account with missed payment. I am kindly requesting COMENITY BANK/XXXX ( Opened XXXX XXXX, XXXX ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX credit card was used without my knowledge or permission, amount in dispute was {$4700.00} ... ..contacted the ccc, informed them of misuse, the card numbers were comprised..the card company wrote the charges off and my credit score suffered badly ... .forward to XX/XX/XXXX, in one week I receive three ( 3 )  letters from companies wanting payment ... .The companies are as follows : XXXX XXXX, XXXX XXXX Phone # XXXX -- -XXXX XXXX XXXX , XXXX, SC. phone # XXXX ... -- -- and Resurgent Capital Services, XXXX, SC -- phone # XXXX -- -- - The CCC wrote the charges off, and I suffered bad credit scores and now being asked to pay a wrote, discharged {$4700.00} ..a year later ... I can't believe this is lawful in any way ... ..harassment of senior citizens ....!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
COMPLAINT ID XXXX Follow-up from the above complaint. Unfortunately had to reopen with the complaint since the previous complaint was closed. 
I ended up Pain patient Bank of America XX/XX/2020 {$490.00} to close out my HELOC and issue a release of Lein. 
I have not heard back from them and it takes close to 2 hours to get through to a customer service representative who does not help anyway. I do not know what else to do.

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 2020-08-24
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I entered a financial relief program ( with American Express to help pay off my {$30000.00} American Express Gold Card, program started XX/XX/2020 ) I was told by American Express that my interest rate ( exuberant ) was going to decrease, with two months of grace period without reporting unpaid bills. I RECEIVED CONFIRMATION VERBALLY AND IN WRITING THAT MY CREDIT LINE WAS NOT GOING TO DECREASE. This is significant for me because I am in a financial strain. 
I made the first payment according to the plan, but the second payment was returned by my bank due to insufficient funds. I rectified the situation, then the second payment was processed three days after the first one was returned. THE AMOUNT OF {$730.00} WAS ALL THE MONEY I HAD. I PAID AMERICAN EXPRESS BILL AND WAS WAITING ON MY AVAILABLE CREDIT TO REFLECT THE PAYMENT SO I CAN PAY FEES FOR MY XXXX XXXX EXAM, RENEW MY CAR REGISTRATION, AND PAY MY FOR MY PRESCRIPTION MEDICATION. I CALLED AMERICAN EXPRESS ON FRIDAY XX/XX/XXXX, and was told by AMEX representative XXXX ID XXXX that Amex decided to decrease my credit line the night before. I explained to XXXX the situation, and he transferred me to XXXX ID XXXX  XXXX. I verbalized my frustration to XXXX because Amex decided to modify their agreement WITH COMPLETE DISREGARD TO MY FINANCIAL NEEDs. I ASKED FOR THE PAYMENT TO BE REVERED SO I CAN AT LEAST PAY VERY NECESSARY BILLS IF AMERICAN EXPRESS REFUSES TO ALLOW ME TO USE THEIR CARD. AN HOUR CONVERSATION ENDED NO WHERE AND XXXX DECIDED THAT I ONLY HAD {$30.00} credit to spend. HE THEN ASKED TO GET AN OPPORTUNITY TO REVIEW WHAT THE AGREEMENT WAS AND TO GIVE AMERICAN EXPRESS FEW DAYS TO DO THEIR OWN INVESTIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: BARCLAYS BANK DELAWARE
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company did not notify me of purchases made on credit card. I recently noticed this account as charged off when checking my credit report. If notiifed I would have disputed the charges. The original charges were in 2014.

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 2018-10-14
Company: Financial Assistance Inc
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Financial Assistance Inc. Account # XXXX. This company is Reporting on my credit report that I owe them {$10.00}, XXXX on XX/XX/XXXX. I do not owe this amount they are speaking of. They are connected with another company called XXXX XXXX XXXX Account # XXXX. They are reporting that I owe them {$7100.00} on XX/XX/XXXX. 

These two companies need to be thoroughly reinvestigated from top to bottom. They have ruined my credit dramatically and are trying to scam there way in through making me pay these false balances. Please help me remove these negative items from my credit report and from my life. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: EQUIFAX, INC.
State: AR
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:
EVERYTIME XXXX XXXX CUSTOMER CALL FOR NEW SERVICE, EQUIFAX ALLOWS XXXX UNLIMIT HARD PULLS PER XXXX. ALSO, XXXX SELLS ALL ITS COLLECTION ACCOUNT TO UP TO 10 COLLECTION AGECIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo is using forged documents to foreclose on my home. Wells Fargo sold my mortgage to XXXX XXXX in XXXX. Since this was the case, then in XXXX when Wells Fargo started foreclosure there should have been only one note to be used in foreclosure. After I denied the authenticity of that note, WF then produced another note. At the note inspection Wells Fargo produced another note. 3 notes in total. They asked the court for summary judgment without providing the court all relevant documents. Prejudicing my defense of the foreclosure. On page 115 of the deposition admitted what they are doing would be considered unethical. My gripe is how can a person fight foreclosure if Wells Fargo can just recreate notes in order to foreclose. As a XXXX XXXX XXXX it boggles the mind that this would be considered a crime ( e.g forgery, offering a false instrument for filing ) if a person did this, but when a bank does it it is overlooked. This was all done after they were sued by the Justice Department on behalf of myself and other XXXX and XXXX borrowers in XXXX. They settled that by promising to treat us ethically.

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 2018-06-29
Company: AES/PHEAA
State: MN
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:
I refinanced my student loans from XXXX to XXXX XXXX inthe amount of approximately {$360000.00}. This refinance payment from XXXX XXXX was processed by XXXX on XX/XX/XXXX. There was an overpayment of over {$4300.00}. I have asked XXXX about the status of the refund of this overpayment multiple times. I spoke by phone in XX/XX/XXXX to an agent who said refunds are processed within 30 days. It has been a month and a half. I have send their customer service department two emails, both have gone unanswered. They have provided no reasonable explanation that they would delay in issuing a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I sent a complaint through the CFPB regarding accounts on my credit that were not mine. There are still accounts that said was verified that it belongs to me and that is not a true statement. I demand proof that these accounts are verified as mine with signatures and agreements. I have been wrongfully denied credit for this unacceptable mishap on the credit bureau for reporting this incorrect information. Please have the follow items removed from my credit report immediately or I will have no other choice but to seek legal advice. I have tried all I know to resolve this. The accounts that are not mine are : Equifax : 1. XXXX XXXX/XXXX  XXXX XXXX  Account Number:XXXX 2.XXXX/XXXX  Account Number : XXXX 3.XXXX XXXX Account Number:XXXX XXXX  : 1.XXXX XXXX XXXX  Account Number : XXXX 2.XXXX XXXX   Account Number:XXXX 3.Chapter XXXX bankruptcy dismissed ( Which was removed from XXXX and Equifax so please prove to me how XXXX can say several bankruptices are mine and the were removed by the other two bureaus ). I have never filed for bankruptcies. 

Please have all these items removed from my credit report immediately.

Company response to consumer: Closed with explanation