BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: TN
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 have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: MARINER FINANCE, LLC
State: NC
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:
It looks like my credit file was breach or identity theft or both during the time frame of. XX/XX/2018 to present

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: TMX Finance LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Started a title loan Titlemax XXXX, TN All payments were made on or before time, had contacted them on XXXX asking them on the payoff ( {$2300.00} ) and requested that payment would be made XX/XX/2020 Representative responded that it would be ok and no late fees would be incurred, Received notice via mail postmarked XX/XX/2020 of payoff balance through XX/XX/2020 of {$2200.00}. 
Visited XXXX location directly after work to make payoff, Payment was refused and other charges were orally spoken to a sum well over {$2500.00}. There was no resolve in talking with in store representatives. An effort was made to talk with district managers, A call was received back from one of the district managers, but the resolve was the same as in store. payment was offered and still refused. All actions were made on XX/XX/2020 to fulfill the obligation as stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
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:
Inaccurate information reporting inaccurate information reporting Past Due items Inaccurate information that is in violation of my rights inaccurate information showing a recent balance inaccurate date of last activity

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 2021-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
My identity was stolen by my brother. I alerted you all of this. I filed a police report, placed freezes on all credit bureau 's. The initial response was that an investigation indicated that the account did belong to me and there was no evidence of fraudulent activity on the account. Your company is right about the owner of the account. However, my personal assistant at the time, my younger brother, had access to my financial data. As apart of his job he ran errands for me that included him making purchases. Running to get me coffee, buying a piece of furniture my interior design business, etc. He had access to most of my accounts. This account was a major account that he had access to. I urge you to remove this derogatory remark from my report as I continue to work with the FTC and local law enforcement to protect my identity.

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 2019-04-02
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: Personal information incorrect

Complaint:
THEY UPDATED SOME OF THE WRONG INFO REPORTING BUT NOT ALL I'VE SENT SO MANY LETTERS JUST FOUND OUT ABOUT THE CFPB SITE SO NOW IM TAKING THIS APPROACH. MY NAME IS INCORRECT THEY HAVE THE WRONG SOCIAL # ON FILE AND ADDRESS

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 2020-04-24
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off 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 2022-03-30
Company: EQUIFAX, INC.
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:
Inaccurate information reporting inaccurate information reporting Past Due items Inaccurate information that is in violation of my rights inaccurate information showing a recent balance inaccurate date of last activity

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 reviewed a copy of my credit report and I noticed several fraudulent/unauthorized hard inquiries that I need to be removed. The inquiries to be removed are listed below : 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 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 XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-30
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XX/XX/XXXX, Wells Fargo failed to provide honest service to the United States Currency free-item ( XXXX ) Promissory Note Goods, i traded with their Agents due to " proprietary '' reasons. 

1 ) foreclosure matters SETTELED & DISCONTINUED XXXX ; 2 ) United States of America Department of State Authentication XXXX XX/XX/XXXX ; 3 ) Unconstitutional ( Evection ) XX/XX/XXXX FORCED REMOVALE ; see attached : 3 ) Identity Theft Affidavit OMB form 14039 XXXX XX/XX/XXXX ; 4 ) Internal Revenue Service verified identity theft claim letter XXXX XXXX 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 explanation
Consumer complaint received 2020-04-25
Company: AMERICAN EXPRESS 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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2017 my wife made a charge for {$17000.00} on our American Express credit card. Within a few months it came to light that this charge had been made under " fraudulent '' circumstances by a company ( XXXX XXXX, XXXX XXXX XXXX, etc. ) that had been doing this for a number of years. This fact has been proven in three federal and state courts. Documentation for this has been provided to American Express on different occasions. We have, for over two years, been disputing this charge with AMEX to no avail. American Express has now cancelled my account and reported it as delinquent to the credit bureaus severely damaging my credit standing despite the fact that I have spoken to them on multiple occasions and thoroughly explained the situation. Recently, letters were sent to the " XXXX XXXX XXXX XXXX  '', the " XXXX XXXX XXXX XXXX XXXX XXXX '' and the " Chairman/CEO '' of the American Express Company asking that this matter be re-investigated, the amount be discharged from my account and that such resolution be reported to the credit bureaus as soon as possible. 
Despite the fact that the action ( s ) by the XXXX XXXX, XXXX XXXX XXXX, etc. has been determined as " fraud '' by three different courts and that my situation is a " textbook '' case for the " legal '' definition of fraud, American Express refuses to follow the decisions rendered by the courts or to accept the " legal '' definition of fraud but, rather, apparently feel they exist outside, or above, the law of the land. 
I ask that CFPB investigate this matter and to direct the American Express Company to accept the three courts ' decisions and to follow the " legal '' definition of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A bankruptcy chapter XXXX was filed and discharged since XXXX XXXX XXXX and still showing in my credit report. 
As a chapter XXXX should be out of my report in seven year, as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a complaint against American Express. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Reporting I have three open accounts with a debt collector with bad dates of XX/XX/XXXX but debt letter has XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Aargon Agency, Inc.
State: PA
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:
I disputed this debt with Aargon and what they sent me in the mail fell woefully short of what I requested. The documentation they sent to me was not received in a timely manner at all! I received their poor excuse for debt validation on XX/XX/XXXX, after I disputed the account on XX/XX/XXXX, and Pursuant to the Fair Debt Collection Act, they have 30 days to respond to a consumer for a validation request. I am very displeased by this, and the inaccurate and untimely reporting of this erroneous account is uncalled for!

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 2017-10-30
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a complaint against Barclays Bank delaware. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit 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 2017-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Every month I pay my credit cards off before it 's time for the company to report to the credit agencies, and for the past three months my capital one credit card has not updated, which is drastically hurting my fico score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A bankruptcy chapter XXXX was filed and discharged sinceXX/XX/XXXX and still showing in my credit report. 
As a chapter XXXX should be out of my report in seven year, asXX/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 explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Transunion maintains two profiles of my credit report and is unwilling of combining them. This creates a lower score of about 100 score points versus the other credit reporting agencies.

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 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer

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 2021-11-07
Company: DISCOVER BANK
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XX/XX/21 - Submitted online application for {$35000.00} personal loan ( XXXX {$870.00} monthly 8.99 % ) XX/XX/21 - Received denial on the bases of " Unable to Verify credit references '' Checked all credit reporting agencies and Discover had inquiries to all three reporting agencies with an XXXX credit score across all three XX/XX/21 - Sent a letter per the denial email to Discover requesting detailed information of the unverifiable references. 
Approx. XX/XX/21 - Received a phone call from a representative of Discover who stated that they could not give me more detail past the explanation in the letter. After being pressed, the representative held to the position that their could be no additional information released.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: AMERICAN INTERNET MORTGAGE
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX AKA XXXX charged me a {$47.00} late fee. They dragged their feet for over 2 months answering a question about my payments, and completely botched my escrow payment and subsequent re-calculation of my mortgage payment. I contacted them on XX/XX/2020. They replied to me on XX/XX/2020. I paid an escrow payment of {$1600.00} on XX/XX/2020, which should have re-calculated my mortgage payment for XX/XX/2020, but they dragged their feet. The reason why the mortgage payment increased in the first place was because of the escrow shortage, which I paid before the late fee deadline, but AIMLoan late fee charged me anyway. The only thing they are good at is dropping phone calls after I spent hours on the phone with them, and charging people late payments. 
I lost way too much time here, and I demand my {$47.00} back, and a written apology for taking more than 2 months to acknowledge my existence, and wasting my time on dropped phone calls with customer service. 
Instead of rewarding me for always paying on time from day 1, before and during Covid, they charge me with a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Chime Financial Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
I was a account holder at chime and they suddenly closed the account with XXXX in there that I havent been able to access in months and I cant talk to anyone or check refund status of check on closed account and no one will help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Experian Information Solutions 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:
XX/XX/2019 I received an alert from Experian that my credit score had dropped 6 points without any explanation. I have had no negative activity in years. I looked at he report and it suddenly showed 2 negative marks - both from over 6 years ago but suddenly reported as current. XXXX XXXX and XXXX XXXXXXXX XXXX I disputed both corporation 's information on XXXX XX/XX/2019 I received a notice the disputes had been resolved. Nothing changed, but my credit score immediately dropped another 20 points! There had been no other intervening activity on my report. Consequently my score dropped 20 points simply because I disputed to claims. This is illegal. I called a second time to dispute this entire process. The customer care contacted XXXX XXXX and that was determined to by inaccurate information and was removed, but my credit score did not change! They lowered my score based on inaccurate information and when the information was corrected they failed to return the score to its previous state. The supervisor failed o address my question gave me nothing but bureaucratic circular reasoning and hung up the phone, She refused to provided her name. I spoke to her on XXXX/XXXX/209 at XXXX PM est. Experian is failing to report accuate information,. dropping my score without explanation or reason based on disputes which were in one case verified. They are preventing me for obtaining credit necessary for my livelihood. I intend to bring a court case against if this is not resolved.

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