BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I suffered from identity theft after the XXXX  credit breach. My XXXX  XXXX credit card was used for fraud. I told the bank this and received no response for 18 months after 3 attempts to contact them. I then contacted a different department and agreed to pay off the debt, despite not being mine, if they would show the card as closed but Paid in full '' to which they agreed. They've not updated the information on any of my credit reports.

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 2017-11-22
Company: EQUIFAX, INC.
State: CO
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 XXXX XXXX incorrectly reported 30 days late for our XX/XX/XXXX mortgage payment. We disputed the error both directly with XXXX as well as with Equifax. On XX/XX/XXXX at XXXX XXXX, we received a message from a XXXX representative stating that the 30 days late was corrected and that our credit reports would be corrected in ~ 1 week. We have the recorded message. To this day, our credit reports have not been updated to reflect the 30 days late correction and we have received zero written correspondence from XXXX regarding the correction. We 've talked many, many times with several XXXX representatives about getting our credit reports updated and each time, receiving no information or wrong information. We talked with a representative on XX/XX/XXXX and was told that the corrected account information would download to the Credit Bureau 's on that day and for whatever reason, this did n't happened. When we called on the XXXX of XXXX to follow up, we we 're told the Credit would n't be updated until XXXX of XXXX. This is totally unacceptable and we need help resolving the issue. This has cost us a higher interest rate for the purchase of a 2nd property.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: CITIBANK, N.A.
State: OR
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
purchased paddleboard ( kind of like a kayak, almost 10 feet long ) on XXXX  on XX/XX/XXXX received shipping notification XX/XX/XXXX no further tracking XX/XX/XXXX and contacted merchant, email bounced and found out merchant have shut down, so filed online dispute received conditional credit, which was reversed on XXXX Contacted citicards via email and phone 5 different times without resolution, explaining above issue. 
was told it was " my fault '' for purchasing on a fraudulent website.

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 2021-06-05
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several unauthorized inquiries across all my credit reports dating back to 2019. I haven't applied for or authorized anyone or any company to apply for anything for me. I have contacted the credit bureaus via phone, email, and regular mail without any resolution.

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 2018-03-19
Company: CNG HOLDINGS INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt collector contacted my parents at their home phone number. My mother contacted me to inform me about the phone call and stated they have called her several times, which she asked them not to call her again. They have ignored her request. She stated they threatened legal action against me if I didn't contact them. She gave me the number, ( XXXX ) XXXX, which I called myself. The number was answered quickly and I was unable to catch the company name so I asked the female what company was she with, which she then asked me to " hold on a moment ''. I asked her did she not know what company she worked for that she couldn't answer my question? She said she asked me to hold on so she could enter the number I was called from into the " federal database ''. She then placed me on hold. I was on hold for about 15 minutes before I hung up. I wanted to find out what company hired the debt collector so I could determine who I owed a debt to or if I even owed a debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XXXX XXXX, I reported to Experian, XXXX, and XXXX, that information on my credit report is incorrect. Date of first delinquency being reported by XXXX XXXX XXXX ( XXXX ) is incorrect. They were even falsely reporting payments that were never made. This was a loan obtained in XXXX which is now a 10 year old account still being reflected on my credit report. It is being reported that last activity was XXXX when in fact no activity has been made 5 years beyond that.

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 2017-11-20
Company: Equitable Acceptance Corp
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: Account information incorrect

Complaint:
The company " Equitable Acceptance Corporation ( EAC ) '' associated with " XXXX XXXX '' is believed to be operating a fraudulent company in which has obtained sensitive information from me as well as my child. Upon discussing loan details with them, it was mentioned that they would have forgiven my loans after 3 years of paying {$49.00} a month to them to consolidate your loans. Meaning after 3 years all your loans will be totally be wiped clean. I am aware that Loan Consolidation can be done by myself without further payments so it would not make since for me to pay them for simply applying paperwork. The information on the contract is incorrect and the information in which the XXXX XXXX for this company put on my credit line is false. The Terms of agreement are false and all affiliation with EAC should be cancelled. Upon my son contacting the USA Department of Education, they have never heard of this company and advised that it is more likely a scam to fraud student out of money. Also, when viewing their webpage, their " Privacy Policy '' will not display as if they do not have one. This was a Red Flag to me. This company consciously obtained my information to commit fraudulent acts and have now attacked my credit history with an account that was opened on false pretenses. The account in which they ran against my credit is not addressed as a loan, it is addressed as a credit card. Please help me dispute this activity on my credit and report this company as fraudulent. I did not agree for them to use my information to pay them and not forgive me student debt. It has gone as far as the company falsifying information on the contract. In attempts to call and cancel with the student advisor of EAC, no one ever answers. However, when receiving calls from them, they harass you. I am a mother who helped my son through college, with another child still to complete college. I have currently disputed this with both XXXX and XXXX in hopes of removing it from my credit because it is hurting me and my credit ; also to report this company so this does not happen to any other struggling people or families.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
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:
My name is XXXX XXXX. It has been brought to my attention that XXXX I reporting inaccurate information concerning accounts listed on my consumer report. Therefore it shows inconsistency with who I am and who you portray me to be. I'm appalled and offended that you had left me with no other option but to report this behavior and offense to the Attorney General Office, The Courthouse Clerk to litigation, FTC and the XXXX. Cc I have filed a report at the Attorney General Office for fraud due to the fact of not having any written consent to furnish such information. I have no knowledge of the account or information that is on my consumer report. I am enforcing 5 calendar days for this to be resolve without any EOSCAR. I do not consent to EOSCAR. I repeat if this matter isn't resolve I will seek litigation at my county courthouse as I have been given instructions by the Attorney General to move forward and file a lawsuit. XXXX XXXX {$1300.00} 2. XXXX XXXX XXXX {$430.00} 3. Fair Collections & O

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 2017-11-23
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
COMPLAINT : DOJ v. WFHM : XXXX XXXX loan number XXXX WFHM is Refusing to provide settlement due XXXX XXXX, WFHM is lying in their response to complaint to the CFPB. WFHM is conducting bad faith business as usual. This is no different than the situation when XXXX XXXX called them out in senate hearings. What is it going to take this time? 

I closed on a new loan with Wells Fargo Home Mortgage XX/XX/XXXX. I had problems with WFHM during this time in receiving the correct and fair interest rate in loan origination. 
The Department of Justice found that WFHM had unfairly applied improper interest rates to XXXX  and XXXX. WFHM went to the Department of Justice with a voluntary consent order for a certain time frame which I was within and that has been proven to solve the disparity. Only WFHM purposely left many individuals out. I was one of those individuals.I was on the list in the computer and the settlement company had what was needed but admitted that they used the wrong date given to them by WFHM for my loan origination. 
I have been going round and round with WFHM for years up to and including the last reporting period to correct their mistake. I met all criteria. WFHM still has not met their obligation to me, the DOJ, and the court. 
I spoke with XXXX XXXX with Wells Fargo Home Mortgage Tuesday XX/XX/XXXX in regards to this particular situation. He did not have an answer and he said he did not bother to ask the settlement company or WFHM why I was not eligible for the settlement? XXXX provided CFPB with close to 100 pages of documents to deflect the fact he does not have an answer as to why WELLS FARGO HOME MORTGAGE has not paid the settlement due me. In addition XXXX closed the complaint when we discused him providing additional information to me for which he could not answer without additional research? I asked if he had asked the settlement company why I was not eligible and he said he just did not ask. He then told me he did not talk to the settlement company he sent an e-mail. He then said he did not have a telephone number for the settlement company? I asked for the name of the WFHM superior who gave him this assignment and he said that was propriotory information. WFHM is refusing once again to do the right thing, and are STALLING FOR TIME TO FORECLOSE ON MY PROPERTY. 
I need to know why they are not honoring the COURT consent agreement since I meet all the requirements. They have provided an incorrect answer that this loan was a refinance. This was a brand new loan with WFHM and has never been refinanced, and I have never had any other loan with WFHM. I am 100 % eligible meet all criteria as set out in the court order. What reason or excuse is WFHM not honoring the court order and providing the settlement payout when I am eligible?

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 2017-11-23
Company: Experian Information Solutions Inc.
State: VA
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:
This is a formal complaint after directed harming to my person by this corporate named Experian which is one of The U.S. 3 major credit bureau.Experian in an act of revenge against my person and since I complained about their process of disputing a collection on my personal credit report, Experian put all kinds of computerized blocks ( experts knows what that means, I couldnt find a specific name to that sort of blocking someone while he/she typing in an online form to be submitted electronically ) to prevent me from adding a personal statement to my personal credit reports that showed a collection with XXXX XXXX XXXX as the original creditor. I spent hours to try add the statement after following the Experian website instructions on adding personal statement ( I have plenty of legal PDFs files to proof this waste of my time by Experian and their unethical business behavior ). I finally submitted my request to add a personal statement to my personal credit report by accepting whats shown in the attachements, however there were forced letters added to the name of the original creditor ( instead of XXXX XXXX XXXX, you can see in the attachement that Experian forced that to be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
Experian targeting of my person that was demonstrated in that incident and many others that I have right to bring to court when I decide to do so after reviewing Experian detailed response to this complaint and I will not accept scripted or general statement from Experian to just show off that they responded to my complaint. I am expecting a detailed information about the unethical business behavior of Experian. I hope anyone from the U.S regulators who reads this formal complaint against Experian to please stop my sufferance with this credit bureau ( Experian ) that harmed my financials and denied my right to add a personal statement and other harms that regulators can contact me directly and I will provide all the necessary documentations of my claims to them. I hope that someone will stop Experians unethical business behavior that prove this compnany is not a U.S citizen corporate but a destroyer of U.S citizen. I demand my rights to be respected and fulfilled by Experian who denied them as described above. This formal complaint was Signed by me today XX/XX/2017  Respectfully, a U.S Citizen

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 2019-05-01
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: Information belongs to someone else

Complaint:
Hello. My name is XXXX. I happened to check out what was going on with my credit report. I noticed several collection items placed on my report that do not belong to me. Please remove them from my report today I appreciate the help. Thanks so much.

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 2021-06-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/21 I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 60 days later I haven't received a response yet. I feel like my disputes are being ignored and I am being taken advantage of. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has now been over 60 days, so the items should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My personal information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have made multiple attempt to resolve this issue with XXXX. 100s of phone calls literally and I am ready to seek legal counsel on this. 

I settled an account with XXXX  on XX/XX/XXXX. To date I am struggling to have the correct status reflected settled and closed. 

After months of struggle, XXXX  is finally reporting settled XX/XX/XXXX and closed. XXXX  and Equifax are still showing DEROGATORY status and no closed date. In fact there is an " N '' for negative on XX/XX/XXXX in both bureaus. 

This is affecting my ability to seek home equity loan. I have put into this 5 months. I have been patient. These people do not care. Beyond taking the settlement they do not care to meet their end of the bargain, to report correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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 was involved in an auto accident in XX/XX/2013 whereas I had a substantial amount of medical bills that I had to pay. I advised capital one creditor but help was to no avail. I subsequently settled but the late payments are still effecting my credit score on a negative basis. I have asked for a deletion since my balance is XXXX but they refused. It is a fact that these companies are biased against XXXX. If i were a Congress member they would assist me but since I am not I'm being treated with contempt. I received my credit report trio last week. Wherein my credit scores are very low AND YES, I DID WRITE TO THE CEO BESEECHING HIM FOR HELP. ANSWER RETURNED NO.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: National Collection Systems, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got notification from credit monitoring service that a collection account was added to my file without receiving any dunning letter from this estranged company that I have no dealings with. 
I contacted National Credit Management on XX/XX/XXXX and requested a copy of a signed contract showing that I owe this balance and to provide me with copies of any papers that show I agreed to pay what you say I owe. 
The company responded with emails from someone and their company exchanging emails back and forth regarding overdraft fees from an account. 
This company has no proof that this account belongs to me and I have no knowledge of this account or this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XX/XX/2019 Dear Experian My name is XXXX XXXX. Im writing this letter to whomever it may concern. I have an account on my credit report thats in error and I really need help getting it removed. Ive tried over and over again disputing this account but still cant seem to get it removed. Account number XXXXXXXX XXXX XXXX amount of {$4500.00} opened on XXXXThis Company promised me that I was able to end my lease due to my roof caving in on me and my children. At the time they apartment complex did not have another unit to place me and my family in, in exchange the manager stated that I can just end my lease without penalties. This account has been on my credit since Ive left these apartments. Ive done all that I can to get this removed and Ive had no real help or supporters. Im not just asking for a hand out Im just asking for help, for someone to look into it and see that what Im saying is true. This account is wrongfully on my credit and I really need help with getting this taking off. Please, please help me with this matter. Thanks XXXX XXXX contact number 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 explanation
Consumer complaint received 2017-10-02
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:
i have been told that I have a " credit freeze '' by those whom I am seeking credit from. I have called the bureaus and spent countless hours only to be hung up on. I am not able to unfreeze my credit by contacting any of the 3 bureaus. I need my codes to get my credit or my credit unfrozen pronto.

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