BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-23
Company: Global Lending Services LLC
State: VA
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 these items and i want them to be removed from my credit. 


1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft GLOBALLEND Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft GLOBALLEND Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

19. Identity Theft GLOBALLEND Date of inquiry : XX/XX/XXXX This is not mine. 

20. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

21. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

22. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

23. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

24. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

25. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

26. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

27. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

28. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

29. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 submitted disputes letters over the past 6 months. I requested for verification and validation of the accounts by providing the contracts they on file. The agencies did responded to my request nor any the remaining of accounts were not deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: AMERICAN EXPRESS COMPANY
State: AZ
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:
I applied and recived an American Express Platinum card on XX/XX/18 with a XXXX membership rewards with $ XXXX spending in 3 months promotional offer. I thought I had completed the spending requirments on XX/XX/18 when the bonus points posted to my account. In XXXX I receved a letter from american express dated the day my 3 month promotion period was over ( XX/XX/18 ) saying that I didn't meet the requirments and that they are taking back the bonuse points. I called american express on XX/XX/18 when I got the letter after getting my mail from being on vacation and was told that because a company did a refund during my 3 month period so I didn't meet the requirments. I asked why I was not informed when this happened which I belive happened around mid-XXXX so I could make up the spending, and was told that they don't work in billing so they don't know.I also asked if there was a way to make up for it because I was not informed about it when it happened and that I will not be eligible for an offer on this card again in my lifetime, and was told that once the 92 days are up there is nothing that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX has reported me as late 3 times on my Auto Lease account. Once in XX/XX/XXXX, again in XX/XX/XXXX, and in XX/XX/XXXX. I have never been 30 days late on this account as reported on my credit bureau reports. I have asked XXXX XXXX for proof of these late payments and have never received bank statements or any other documentation showing that I was late on these payments. I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I was planning on closing my PNC bank account as I had no need for it anymore. I held the amount needed to maintain the account without fees. I transferred the fees from the account with the intention of secure messaging them once the transfer processed. The transfer took extra time to appear in the account I chose ( likely due to the XXXX  holiday weekend ), but I was assessed a monthly fee ( around 25 dollars ) on my PNC account within 7 days of removing the funds from my account. I reached out to them via secure message asking to close my account, and informing them of the situation. They refused to refund the fee multiple times, and I am now being forced to call them and likely go through the same responses to a customer service representative. I can not close the account until I resolve this fee. Had there been any direction on their website regarding how to close the account ( there is not ), I would have followed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
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: Information belongs to someone else

Complaint:
The Equifax credit report linked to my ID is not mine. On XXXX XXXX, XXXX, I enrolled in TrustedID XXXX because my account was among those hacked, according to the Equifax online tool. I needed to enroll over the phone because the security questions presented to me about my credit history did not pertain to me, I could not answer them correctly, and I was locked out. I was able to enroll in TrustedID by answering questions over the phone. I then logged in to my credit report through TrustedID and learned that nothing in the credit report was correct. It was the report of someone else. ( How could the Equifax agent enroll me in TrustedID since my oral answers did not match information linked to my account? ) I froze my credit linked to this account, but it is a fake account. My actual data is unprotected somewhere in the Equifax database. I have tried to get this corrected through the special cybersecurity help number ( XXXX ) and was told today, XXXX XXXX, that I should use the dispute resolution website instead at www.equifax.com/XXXX. This site is " down for maintenance '' and has been 'temporarily unavailable '' for the several days that I have been monitoring it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
I was scammed in buying a car that was stolen.. was making false payments and was asked to use cashiers check. 

Wells Fargo is still displaying foul practice even after being loyal for 10 years.. discrimination and robbers.. theyre own employees do wire 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 2019-08-24
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:
I dispute the items on my credit report on XX/XX/2019 they never fixed it they claim its verified but nothing changed i know it's wrong so i send a method of verification letter on XX/XX/2019 and they send the same message. I can't upload the proof

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 2018-07-20
Company: Army and Air Force Exchange Service
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed the exchanged credit program a total of {$21.00} left on my account for my military star card. On XX/XX/2018 they withdrew {$900.00} from my XXXX for a {$21.00} payment. Ive called them multiple times to see why they did that and when they will refund me my money back. They insist on telling me they have no recieved this money yet clearly on my XXXX it shows that they took it and that they have received it. We are in XXXX no and I find it hard to believe they havent received this money.

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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 

ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX it's on my credit and it's not mine. Tried to remove it and did with 2 other credit report company 's but experian will not. Its not fair. I want it removed from my credit. The other is XXXX/ XXXX. The other is XXXX XXXX/ XXXX  XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03
Company: 77 Elite
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
XX/XX/2018 XXXX XXXX with 77 Elite I think that they maybe fraudulent companies. I have been paying them {$200.00} monthly. Im scared because the paperwork I signed stated limited power of attorney. 

Then XXXX called me and send Im overdue for federal school loan payment. 

I said no Im paying it ; they said you should file a police report. 

So please tell me if XXXX XXXX and 77elite a fraudulent companies?

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 2023-05-12
Company: EQUIFAX, INC.
State: LA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Experian 's credit reporting service is impossible to cancel online ; you have to call a number and give them everything needed to sell personal information including DOB and SSN. Their system to allow subscribers to view detail on alerts appears to require users to re-register and create a new account and subscription. I did cancel over the phone but am not assured that the subscription is actually cancelled and that the company will stop withdrawing money from my account or use the cancellation to damage my credit score.

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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was made aware of these accounts being fraudulently opened in my name in XXXX. I have reached out to Transunion to have these accounts removed from my credit report. I have sent several letters to TransUnion with the required documentation to establish identity theft, but TransUnion has failed to properly investigate and remove these accounts. TransUnion has caused me great harm by damaging my credit reputation. Under FCRA, TransUnion is required to remove these accounts once an identity theft claim has been established. The accounts listed below were opened fraudulently : XXXX XXXX XXXX XXXX XXXXXXXX  Balance : {$3500.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} Opened : XX/XX/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 2019-06-07
Company: EQUIFAX, INC.
State: NY
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 sold my account debt of {$240.00} to XXXX XXXX and closed the account on XX/XX/2016. When I check my credit report, the balance owed still shows {$240.00} and not {$0.00}. Since the account was sold I am no longer obligated to pay XXXX XXXX XXXX and the account balance should be {$0.00}. This was confirmed when I called XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: V and H Portfolio
State: LA
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:
IN XXXX AND XXXX OF 2023 I CONTACTED VANCE ABOUT INACCURATE CREDIT REPORTING. THEY HAVE FAILED TO REPORT THE ORIGINAL CREDITOR OR ACCOUNT NUMBER MAKING IT IMPOSSIBLE FOR ME TO VALIDATE THE DEBT AFTER THEY HAVE CHOSEN TO IGNORE MY REQUEST. THEY ARE REPORTING OUTSIDE OF COMPLIANCE AND HAVE EVEN LEFT SOME INFORMATION BLANK FILLED THAT SHOULD BE REPORTING COMPLETELY AND ACCURATELY. PLEASE HELP ME. ALL PARTIES HAVE FAILED TO PROTECT ME AND I READ YOUR ARTICLE WHERE YOU ARE READY TO HELP ALL CONSUMERS BEING TAKEN ADVANTAGE OF BY DEBT COLLECTORS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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:
My name is XXXX XXXX XXXX. I did not authorize these accounts. These accounts are fraudulent.

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 2018-09-08
Company: Experian Information Solutions Inc.
State: AR
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:
In XX/XX/2018 I disputed an inaccurate account with Experian the account which is XXXX XXXX   XXXX Experian investigated and it came back verified. in XXXX I sent in a certified letter to Experian for a Method OF Verification,,, this is my right to see and look over and see who verified the account with the credit bureau and the creditor. I have enclosed a copy of the letter that was sent to Experian via mail certified and the mail receipt that they received the letter, The letter dated XX/XX/2018 sent on XX/XX/2018 Experian got the letter on XX/XX/2018,,, i have copies of the delivery receipts On XX/XX/2018 i was notified that Experian completed there investigation with the account XXXX XXXX XXXX, they failed to send me what I requested, how they investigate it and complete the investigation and failed to send me the Methods of verification that I request, I am a consumer and I have rights to request the method verification.. Experian have violated my rights and need to remove the account from my credit, ,I am considering filing a small claims for the non-compliance.. this is not right, I have sent letters also asking for the original contract and they failed to send the proof that I am entitled to ... delete the account from my file,,, a debt is not valid unless there is a original contract signed by me the consumer and I have rights to see the original signed contract and to see there method of verification, ,if they did a 100 % verification then I should have been allowed to see the names and address and phone number of the people that verified the account with the, Experian violated laws and my rights and refused to send me what I Requested. per the FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your company. Experian received the certified METHOD OF VERFICATION Letter from me. They still refused to send me what I am entitled too ... this is not right,,, delete it please off my credit file,, is not right to violate my rights to what I am entitled to,,, I have enclosed the copy of the letter and the certified letter mail receipt and the delivery notification,,

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 2022-03-29
Company: Mr. Cooper Group 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: Old information reappears or never goes away

Complaint:
Lates from XXXX and XXXX from Mr Cooper. These lates were added 30 days ago and are incorrect. I have not missed a payment nor been late within the last 7 years. If there is proof please provide proof where this was paid late. Please do not verify this by word of mouth. I want documents, I will be filing a complaint with the cfpb immediately. These lates were not present for 60 days therefore they never existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i had a fire claim. The insurance company tendered multiple payee checks. We signed and forwarded the checks to the lender. All of the repairs that were the subject of the claim were performed. The lender is refusing to process the checks. I need to pay the contractors who did the repairs, but the lender is refusing to reimburse me approximately XXXX XXXX 

Equally concerning is the fact that i send the lender emails, and the lender never responds.

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 2021-09-02
Company: NCB Management Services Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NCB Mangement Services Inc. at XXXX XXXX XXXX XXXX-XXXX, PA XXXX has been sending me collection notices in the amount of XXXX. The collection has been reported past due. I do not know this company. I have not done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation