BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Transunion a letter stated that the information about me working a XXXX XXXX XXXX XXXX  is not true. My daughter worked there. They claimed that an employer verified it that is fradulent. Then I called Transunion they claimed to have removed it and it was placed back on my Report in XX/XX/XXXX. I have proof I have never been employed there. 
this is fradulent information that they refuse to delete.

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: EQUIFAX, 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:
I have on several occasions disputed with the student loan company as well as the three major credit bureaus that they are reporting four of my student loans being 30,60,90 or 120 days past due and this is incorrect ... I have current and updated proof that these loans are reporting correctly in XXXX which is the information system that at least one of the major bureaus if not all three bureaus collect their information from

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
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: Account status incorrect

Complaint:
Hesaa is inaccurate reporting my loan as derogatory status that has been consolidated and current for over two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have the same error on my TransUnion credit report, and my XXXX  credit report. XXXX won't give me my credit report online because they can't identify that I'm the same person because they have my information completely wrong. 

This error is part of an account that is NOT mine. Me and my father have a similar name, and these credit reports blatantly show that and even have my birth year completely wrong and also show that I use multiple different names. 

The account name is XXXX XXXX, and the past due amount says {$870.00} dollars on my credit reports. TransUnion and XXXX state that this account has been opened on XX/XX/2017.

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 2018-04-28
Company: Weinberg Mediation Group LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
The Weinberg Mediation Group called me about a debt that I owe. I told them I needed to talk to my wife about the settlement offered and would call back. LESS than 40 minutes after speaking to XXXX XXXX, she called my wife with a very demanding tone asking for our debit card information. My wife asked her to verify the debt and provide the settlement in writing, XXXX XXXX refused to do so. She stated that the debt had to be taken care of right then. My wife told her she would call her back. The next day after my wife and I talked, my wife called back and left a message to pay the offered settlement. No one called back. XXXX XXXX then called her back on XX/XX/XXXX while she was driving. My wife told her it wasn't a safe time and they agreed that XXXX XXXX would call back on Saturday while she was in the office. On Saturday XX/XX/XXXX, XXXX XXXX did call back but at XXXX and XXXX. These times go against our rights as consumers, given to us in the Fair Debt Collection Practices Act. My wife called XXXX XXXX back to let her know that she was ready to pay but that she was also going to file complaints with the proper offices. At this time XXXX XXXX refused to take payment and told my wife she would note the account and disconnected the call. My wife called back and asked to speak to a supervisor, she spoke to XXXX XXXX. XXXX refused to answer my wifes question about the law regarding the times a creditor can call. He also refused to take payment for the settlement and disconnected the call. We would have liked to have settled the debt today. But we also feel that this " agency '' has handled themselves unprofessionally and has broken more than 1 of the Acts protective features for the consumer. And they have refused to take our payment for the settlement of the debt at this time, once we stated we would be contacting the proper offices about their wrong doings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After reviewing my Credit report I found items that does not belong there. This will be my 3rd time writing the credit bureaus about these harmful accounts that are 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 2020-08-24
Company: Credit Bureau of Bessemer, Inc
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The credit reporting agency XXXX faced a global security breach, resulting in millions of consumers personal information being exposed. As a result of this, I am a victim of identity theft. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to bring this information forth to a judge in my area, to file suit against your company for reporting this fraudulent account to my XXXX, XXXX, and XXXX credit reports. If you do not immediately remove these inaccurate and incomplete accounts in 1 business day, I will move forward with filing suit against your company and all companies involved, as I have never done business with your organization and should not be responsible for any fraudulent accounts and information placed on my personal credit files as a result of identity theft. Over 60 days ago, I requested full debt validation from your company however I have yet to receive the legal information requested.

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 2018-08-25
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Am an american express membership rewards member. Upon attempting to transfer points to XXXX XXXX  on saturday XX/XX/2018, the following message was received : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' Called customer service same day, which did not resolve the issue. Could not give a time frame of resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-10
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/XXXX I made a payment my due date is XXXX  of each month on the XXXX I was charged a late fee again inXX/XX/XXXX I made a payment the min or more and on XX/XX/XXXX I was charged a late feeXX/XX/XXXX I made a payment the minimum or more and on XX/XX/XXXX I was again charged a late fee XX/XX/XXXX a payment was made min or more again onXX/XX/XXXX I was charged a late fee Each month I paid within the month before the due date and was assess a fee. this is predatory and illegal. XXXX  reps said they can give me a COURTESY ONE TIME and refund one late fee. this is unacceptable as I was charged 4 times {$38.00} wrongfully. I absolutely want every single fee returned. In the month previously stated my bill was paid on time. Telephone reps refuse to refund me and I've tried messaging them on the site and im getting the same message. one late fee was returned. That is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
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:
As I decided to purchase a jet ski for summer fun my salesman told me that in order to get it financed I had to get my credit report pulled. He pulled my credit report and I was in deep shock on all the items listed on my report that did not correspond to me. Could you please remove those items from my report. 

XXXX XXXX XXXX  XXXX {$950.00} XXXX/XXXX  XXXX {$150.00} XXXX XXXX XXXX XXXX/XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX {$3900.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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: Information belongs to someone else

Complaint:
THE FOLLOWING ACCOUNTS ARE FRAUDULENT I WANT THEM BLOCKED AND REMOVED FROM MY CONSUMER REPORT I DID NOT GIVE MY WRITTEN CONSENT TO FURNISH ANY NEGATIVE AND FRAUDULENT ACCOUNTS ON MY PROFILE THIS IS INFRINGEMENT UPON MY RIGHTS PURSUANT TO 15 USC 1681 ( B ) AND THE GRAMM-LEACH BILLEY ACT I AM DEMANDING THESE ACCOUNTS BE REMOVED FROM MY CONSUMER REPORT OR I WILL COUNSEL WITH MY LEGAL TEAM FOR SUIT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-16
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the Bayclays Gold Card MasterCard and was  approved in XXXX. With this card and terms at which I joined, Barclays offered to waive the {$990.00} fee under the XXXX, along with having the card be at 0 % APR while on XXXX XXXX service. Shortly after in XXXX, Barclays changed their SCRA benefits and would no longer waive the {$990.00} annual fee. At this time, I was XXXX overseas on a ship and communication to solve this problem was not easy. I had communication with an XXXX XXXX, Office of the President at Barclays to try and resolve the new terms while I was XXXX, but was unsuccessful. I then had to cancel my account so I would not be charged the annual fee. Since then, I have spoken to multiple service members who have been grandfathered into their original terms for the duration of their time on XXXX XXXX service. I would like to reopen my account with the terms originally stated, as this is only fair to have it be the same across the board for all members.

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 2021-04-03
Company: EQUIFAX, INC.
State: FL
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:
Received the usual XXXX  letter from Equifax requiring more information BEFORE they could fix my account. How pitiful these souls are. The have my unique last 4 SS ID, My Name, TC, ETC, ETC on th actual complaint form which they themselves have been able to use as have other Credit reporting Agencies. Opinion a ruse to discard doing anything in a timely manner or pathetic incapable staff! and still want me to sent proof. Well let me ask you this- supposed I stole that ID. They do not know who the XXXX I am. With the internet ripe with fraud and scams all our information if blatantly available to anyone. Now sadly this so called Consumer Protection agency will send me an email saying this is a duplicate BUT they never consider they never repair the problem to begin with. Yes how blatantly fraudulent are these people bordering in my opinion total arrogance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: SYNCHRONY FINANCIAL
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:
Synchrony bank, which is a owner of the XXXX card and XXXX XXXX  care card is refusing to delete my wife from XXXX  credit bureau. She has spoken with XXXX   several times and they only wanted to dispute the issue. The problem with that is, SHE IS IN ESCROW!! And now she may screw her loan up, the lenders wants those accounts totally deleted off of her reports. She hasn't been an authorized user since XX/XX/2018 XXXX balance is around XXXX and XXXX balance is around XXXX or so? 
This needs to be resolved as of last month. And it needs DELETION..NOT JUST REMOVED AS AN AUTHORIZED USER. FROM ALL CREDIT BUREAUS..

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 2018-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I had two cards with capital one credit card company. During my business with them my identify was stolen and i took measures into contact-ion capital one and during this process there were fraudulent charges that were accumulation onto the card. Capital one did shut, and close both cards but say that want me to pay the money, even though i did not make the charges, there is o liability that capital one has but they keep harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have on several occasions disputed with the student loan company as well as the three major credit bureaus that they are reporting four of my student loans being 30,60,90 or 120 days past due and this is incorrect ... I have current and updated proof that these loans are reporting correctly in XXXX which is the information system that at least one of the major bureaus if not all three bureaus collect their information from

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 2018-07-01
Company: WELLS FARGO & COMPANY
State: CA
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 had filed a complaint with Wells Fargo for charges that were not made by me or authorized by me. The person who took the card was an adult son. He is not on the account and was not allowed to use the card on his own. Wells fargo is asserting that he was authorized and that is not correct. I have filed a police report as soon as I could regarding the occurrence - with XXXX County Sheriff Department case XXXX. 

I had a difficult to use card, replaced. The card had issues with both the strip and the chip. I had thrown the card away in a trash compactor. Apparently, the individual took it out of the compactor without my awareness, and cleaned it from the food I had compacted on top from the fridge and put it back together somehow. I noticed utilization of this card when receiving an email indicating the card was being used 20 miles north of my location. I had called the XXXX XXXX to investigate the charge and the manager recalled the thief as the " card was very hard to use ''. She furthermore described him. After careful inspection of the statement this person used my card in locations I may use it. To be undetected. But also places I had not gone. Like a tire shop, vape store, XXXX, as burger, XXXX.. XXXX, XXXX charges totalling over {$1200.00}. This individual moved and went crazy with a card he put back together. After confronting him he admitted to taking the card prior to destruction from my wallet and returning it undetected, and later taking the card when it was disposed of. 

Wells Fargo Credit Card comes with Zero Liability at no extra cost. Its built-in protection features ensure that you wont be held responsible for any unauthorized transactions, as long as they're reported promptly. 

They were reported as soon as noticed. It takes time here to get the police report, etc. Wells fargo is not holding to their agreement. The charges I had highlighted were indeed fraud.

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 2018-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Did a mobile deposit of a check amount of {$950.00} XX/XX/2018 check was processed next business day on XX/XX/2018 but now there is a hold on the check for funds until XX/XX/2018 attempted to get hold removed by both customer service and going in person to a branch was told nothing could be done to remove the hold had the bank account for more than 2 years never had to do a mobile deposit since this was for a new employer and previous employer was always a direct deposit, was not even given the option to have XXXX or a set amount to be available immediately now I will get overdraft fees for a automatic payment that will process on XX/XX/2018

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 2021-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX  cc was paid off in full over 10 years ago and it shows up as charged off which is completely incorrect! And why is it even still showing after 10 years! They keep offering me cards but because of the foreign verbal gap I prefer not to have the card again and it seems because I wont accept they offer they put this back on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Experian Information Solutions Inc.
State: MO
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:
Credit Bureaus reporting inaccurate information on accounts. Disputed these items before but still have no accurate verification of the information that's being reported on closed accounts. 

XXXX XXXX XXXX XXXX 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 explanation