BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-30
Company: Experian Information Solutions Inc.
State: MD
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 had a perfect credit history. I had no late payments with my creditors for some several years.  My score ranged for XXXX to XXXX normally.  On XX/XX/XXXX, the XXXX company reported a 90 day late to the credit bureau for the months of XX/XX/XXXX and XX/XX/XXXX.  This infarction caused my credit score to drop to XXXX.  I had been making payments monthly to XXXX. Consistently, the XXXX Reps ensured me that as long as payments were consistently made; I would be in good standings. However, that was not the case. I made my last payment on XX/XX/XXXX. and was held in default for not only XXXX but XXXX as well. I have contacted XXXX by phone to dispute, but was unsuccessful. I have submitted a written Dispute that is pending. My frustration comes because XXXX  incorrectly informed me on my account situation and also was not given the appropriate consideration.I asked that the 90 Day lates be removed from my credit report. Thank you in advance for your cooperation into this matter.

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 2018-01-30
Company: Commonwealth Financial Systems, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed two items on my credit report via XXXX. The items listed by this company were removed. They have been unable to substantiate the negative item on my credit report. It was removed. Then, my report shows that it was re-reported on XX/XX/2017 AFTER they had already deleted it. NOTE : They do not have my permission to send anything to me via mail nor do they have permission to report my mailing-only address to any consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Experian Information Solutions Inc.
State: TN
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: Problem getting your free annual credit report

Complaint:
XX/XX/2019 I requested my annual credit report on XX/XX/2019. I received XXXX and XXXX within days. Experian has never complied or responded and I have tried calling the number on the website and it puts you in a loop that tells you you must select fraud or security freeze so you can not speak to anyone or get any assistance

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 2021-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Has not removed the inaccurate item account on my report. Its been over 30 days this a violation of XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX 1st. This is an invasion of privacy 15 U.S Code 1692 ( a ) 2nd. You are in violation of 15 U.S. Code 1681e ( b ) - This account is not accurate.

I have previously disputed this I do not agree with the results.

this items needs to be removed asap

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 2019-05-17
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
As a XXXX XXXX  I was furloughed and called Wells Fargo to explain the situation and needed to forgive my XX/XX/XXXX payment. I was promised I would not have to pay that month and it would not affect my credit. Once I returned to work I paid double the next month and included the interest for the late fee. To my surprise Wells Fargo did not keep their promise and reported to all the credit bureaus I was late. I have never been late since the time I have had the loan in XX/XX/XXXX and the one time a XXXX XXXX needed a delay in payment due to the government shut down they treat their long standing customer with so much disregard as if I control the government. 

I have called multiple times and wrote multiple letters to get this removed. I will attach a letter sent XX/XX/XXXX and 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 2019-05-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX my account fraudulently debuted for XXXX . I called my bank usaa and they were confused as well the title was atm adjustment fee after 1 week of going back and forth a representative called and said she will oersonnly call me on Monday XX/XX/XXXX and it never happen. It will eventually come on my credit and I am not trying to go through that especially when it not my fault. After calling them almost every day and spending more then 50 minutes on the phone getting transferred around. I am starting to lose hope.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: CBC Companies, Inc.
State: TX
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 XXXX XXXX XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
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:
On XX/XX/XXXX I sent a dispute letter to the all credit bureaus Experian, XXXX, XXXX regarding the following accounts. 
- XXXX XXXX XXXX- this is not my account- {$4900.00} - XXXX  - this is not my account- {$11000.00} - XXXX  - this is not my account- {$9600.00}

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 2021-11-08
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:
On XX/XX/XXXX I sent a dispute letter to the all credit bureaus XXXX, XXXX, Equifax regarding the following accounts. 
- XXXX XXXX XXXX- this is not my account- {$4900.00} - XXXX  - this is not my account- {$11000.00} - XXXX  - this is not my account- {$9600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: PENNYMAC LOAN SERVICES, LLC.
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: Account information incorrect

Complaint:
For my mortgage. It shows that I'm 60 days past due for XXXX but I am only 30 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Experian Information Solutions Inc.
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 switched my telephone contract on XX/XX/2021 from XXXX to XXXX XXXXXXXX as my current contract had come to an end. 
Without telling me anywhere at any point XXXX XXXX  ( XXXX XXXX ) performed a hard credit search on my file without my consent. 
I am under the impression that this is against the law and I would have never done this if I was told it would incur a hard search. 
I am in the process of purchasing my first home and as a result of this I have lost the house due to the mortgage being declined due to the negative affect on my credit score that the hard search has done. I have also lost a lot of money that I had already paid to solicitors, mortgage brokers and developers etc. 
I have already logged complaints with XXXX XXXXXXXX XXXX XXXX and experian and have been told that nothing can be done. 
I need this removing from my credit file immediately please can you help

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 2020-11-10
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2019-06-28
Company: EQUIFAX, INC.
State: GA
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:
There are inquiries appearing on my Equifax credit report that I did not initiate. I did not apply for credit with these companies. I have file identity theft report and attached to this complaint. Please assist me in resolving this matter amicably.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, my name is XXXX XXXX and I have an account with Cash App that I use to collect funds from time to time. I have by bank account linked to it to withdraw and send money. 

A few weeks ago I lost my phone and have been unable to access the account. At the direction of Cash App I created a new account so they could linked it and provided them the details of the accounts in question. They responded and asked for pics of my ID and myself holding it which I sent as well. Since then they have been entirely unresponsive and I have a significant ( to me ) amount of money locked up in the old account. 

The account I can no longer access is XXXX XXXX and the new account I created at their request is XXXX XXXX  They are holding my money hostage and provided no assistance. There is not even a phone number I can contact them with. 

Please help me. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were  challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-01-20
Company: Experian Information Solutions Inc.
State: TX
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:
These are not my accounts, please remove them.

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 2020-11-10
Company: SYNCHRONY FINANCIAL
State: VI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had applied for an Amazon store card around 2014 for the purpose of rebuilding credit. I never used the card and was very surprised that when I went to XXXX XXXX XXXX XXXX XXXX for a XXXX dollar loan, they told me that I had a bad account on my credit report that I must pay before they can give me the loan. So, here it is, I had never used the card but it was delinquent and now I must pay for something that I dont know about. So, I paid the loan, thinking that it was going to go away and it never did. So, I have been asking Amazon to send me the documents to prove that I have received goods or services tied to that card and they have never sent me any. I also contacted synchrony bank for validation and they told me that they would investigate the matter then contact me and they never did and I have continued to seek answers from the creditors and they never answer me nor provide proof that it was me who made the charges to the card or whom ever made the charges and to whom or where the packages were shipped. My whole financial world has been destroyed by these people who seems to just dont care about some one else welfare or well being. So, zircon I never used the card and the creditor cant tell me what happened, then why cant I get this thing off my credit report? Please tell 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 2019-05-17
Company: Experian Information Solutions Inc.
State: MN
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:
Experian You Guys were so Busy Typing in the completed investigation on the account I see you changed the Balance updated to XX/XX/2019 But you Forgot to change the Status update If you Guys are Going to change this information Make sure you do it right Because the law say You have to do a proper investigation and Look at the status update that's a true Sign you did not conduct a investigation because you were Too Busy typing in consumer dispute message lol You people are a joke CFPB DO YOU SEE WHAT I'm TALKING ABOUT THEIR WAS NO INVESTIGATION! AND THEY HAVE STARTED ADDED IN THERE DISPUTE NOTE THEMSELVE ... MMMMM INPRESSED IF YOU GUYS GOING TO CHANGE THESE ON YOUR OWN TRY NOT TO GET CAUGHT AND DO IT THE RIGHT WAY HAHA FUNNY AS XXXX XXXX XXXX CAN YOU EXPLAIN TO ME AND CFPB AS TO HOW THIS HAPPENED THE ACCOUNT STATUS SHOULD HAVE CHANGED UNTIL XX/XX/2019 ITS STILL SHOWING LAST MONTH ARE YOU ABLE TO SEND ME A CFPB OF THE CODES AND THE DATES THAT XXXX WAS USED TO TRANSMITT TO XXXX AND WHAT CODE AND DATE AND TIME XXXX SENT IT BACK TO YOU FOR PROOF BECAUSE THIS US UNREAL AS YOU ARE BREAKING THE LAW. 
CFPB I'M ASKING YOU TO LOOK INTO BECAUSE THIS IS NOT THE 1ST TIME I HAVE SEEN THIS ITS CLEAR AS DAY THEY ARE NOT CONDUCTING A FAIR AND PROPER INVESTIGATION EXPERIAN IF YOU ARE TRUTHFUL ABOUT THIS SEND ME THE PROOF AND CODES THAT YOU SENT VIA XXXX XXXX IF  YOU CANT I ASKED THAT YOU REMOVE THIS ACCOUNT ASAP. THE TRUTH WILL SET YOU FREE AND THE ONLY THING WILL PROVE THIS IS THE XXXX XXXX  TIME AND DATE AND I WILL BE WAITING ON YA!

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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My information was compromised in the XXXX hacking and I 'm trying to put a " credit freeze '' on my data at all three agencies to protect myself against future identity theft. I 've a near perfect XXXX XXXX and live nearly debt free, so it 's not something I use or need. As such, a freeze makes perfect sense for me. I was able to process a credit freeze with XXXX, however, TransUnion is asking that I send them a photocopy of my Social Security card before they can process the credit freeze. This seems like an unreasonable request for them to complete the process. I 've never been asked to mail a copy of my Social Security card for anything in the past. For XXXX, their phones are n't even working. So, I 've no way to even contact them at this point.

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 2021-11-08
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a demand letter from MRS XXXX collection company. The demand letter is for the amount of {$19000.00}. This collection debt is not mine and does not belong to me. I will not pay this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2019-09-10
Company: EQUIFAX, INC.
State: NY
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 am a victim of identity theft XXXX XXXX XXXX XXXX XXXX XXXX, Used XXXX   XXXX Student Loans XXXX Auto Reseller XXXX XXXX Auto Financing Companies XXXX XXXX Auto Financing Companies XXXX XXXX XXXX XXXX All Banks - non specific XXXX/XXXX Department And Variety Stores - non specific XXXX Personal Loan Companies XXXX   Personal Loan Companies XXXX Personal Loan Companies XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX Automobile Dealers, Used XXXX XXXX XXXX Finance Companies -  non specific XXXX XXXX XXXX XXXX XXXX Credit Unions XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: GOLDMAN SACHS BANK USA
State: PR
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:
so on XXXX XXXX i bought an item for XXXX and i quickly wanted to be cancel cause i dont want it as its my right to refuse the item, well this company ignore my request and told me that i couldnt do it and told me that just to sell the item on there website, i told them many times i dont want the item and please just to refund me they still denied me and sent the item either way, i received the item and i return it back to its sender, after i told them that they still refuse to give a refund so i went with my credit card company which is ( apple ) i submitted every single evidence in my part and with that i was calm cause i know i was in the right, i received my email today XX/XX/2022 saying that i lost the dispute and the reason that i lost was because supposedly The evidence we received confirms that all sales were final at the time of purchase like that doesnt make any sense it doesnt matter if there were final i returned the item and they refuse the item so what i am my supposed to do i did everything but they still refuse to give me a refund, other that just sketchy to tell your customers to sell it in your website that just the worst place i resubmitted the dispute and will provide the same evidence i did and the worst of all i need to wait 2 billing cycle to get answer which is really disappointing, please i need your help with this apple is not doing its part as a fair credit card company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Foris DAX, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
So I've had the crypto.com app for a while now and have been using it to start learning and investing in crypto. This past week my account got shut down and they refuse to return the funds that I have put in and acquired this entire time. I have no idea why it was locked or why they are refusing to help me. I just want my money. They say they have the right to freeze anyone 's account that violates their terms of service but I haven't read a single thing in there terms that I have done for them to close me out. The worst possible time for this to happen

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