BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sent this affidavit to all XXXX credit bureaus & they have all ignored my complaints. This is starting to get ridiculous & I need this information deleted expeditiously

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 2017-12-15
Company: Experian Information Solutions Inc.
State: FL
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:
Hi. 
I applied to EXPERIAN ONE TIME CREDIT REPORT a month ago and I 'm trying to cancel ever since, Since I could n't they started charging me XXXX $ monthly. I wrote an email on XXXX XXXX to cancel it and never got a response. 
I do n't want the service, but I ca n't cancel it. Today is the 25th time I call in separate consecutive days, and they keep me waiting for more that 16:41 min, even though the answering machine says to wait between 3 to 5 min.

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 2020-07-14
Company: JPMORGAN CHASE & CO.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
A installment home loan in XX/XX/2000 at a interest rate of 10.94 %. There were to be 240 monthly payments of XXXX. I have finished making all except the last one due for the amount of XXXX. I said they took to much interest and did not apply enough to the principle.Last payment was due XX/XX/XXXX. They told me this is how the interest is calculated. Just because it was an installment loan, does not change how they charge interest. I would like someone to look at this installment loan and explain what is happening and why my final payment is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: EQUIFAX, INC.
State: NC
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 recently received a copy of my Equifax credit report and I notice there is an unauthorized credit inquiry made by XXXX XXXX XXXX. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into XXXX XXXX XXXX inquiry to determine who requested this credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: FIRST ADVANTAGE CORPORATION
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
To whom it may concern : The major issue I discovered with respect to these documents is on page 4. 

It stated that I lived in XXXX XXXX and XXXX from XX/XX/XXXX-XX/XX/XXXX. I did not live at these addresses. Could you please correct it? 

Now, two other things. 

1. What is the XXXX XXXX XXXX XXXX XXXX that is under my name? I believe the answer to this question, leads me to my final question. 

2. On page 5, please explain the " MISDEMEANORS '' heading. I am confused about this. Please, clarify this heading on page 4. 

That's all I have for now. Thanks for your time. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: WELLS FARGO & COMPANY
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 information incorrect

Complaint:
I contacted Wells Fargo Dealer Services on Monday, XX/XX/2020 to advise the payments for XXXX & XX/XX/2020 were not reflected on my three credit bureau reports. I expressed that I am in the home buying process and I need those payments reflected. I was advised they would provide a copy of my transaction history to submit to the credit bureaus. On XX/XX/2020, I received the transaction history via email. On XX/XX/2020, I contacted XXXX  and was advised that all information must come from the creditor not from me. On that same night, I contacted WFDS and was advised to send a letter to their Credit Bureau Operations Department. 

I have the same issue with my student loan servicer, 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 2020-07-14
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: Information belongs to someone else

Complaint:
I HAVE BECOME A VICTIM OF IDENTITY THEFT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME ACCOUNTS WITHOUT MY KNOWLEDGE. I HAVE NO IDEA AS TO HOW AND WHEN THIS WAS DONE. I AM ASKING THAT A RE-INVESTIGATION TAKE PLACE SO THAT THE ACCOUNTS CAN BE REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
on XX/XX/2020 a formal letter was mailed to the credit bureau regarding the accuracy of information being reported for XXXX XXXX XXXX Account # XXXX. I requested immediate deletion of this account due to incorrect connotation. 

As of today XX/XX/2020, which is well past the allowed 30 days to respond, the credit bureau has failed to delete this account. Therefore I request that this account be deleted from my credit report immediately.

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 2020-07-14
Company: Colony Brands, Inc.
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
i order portable cd players with headphones and aa batteries they haven't shipped the merchandise yet so i filed a complaint with the XXXX   they told XXXX that the reason why they haven't shipped the items yet because they couldn't fine enough credit info when their website states buy now pay later i'm using my fresh start credit pay for those items i know about the merchandise rule about they must comply with which they aren't one part of the rule is bill me sales on approval i don't have to pay them anything until i receive the merchandise it doesn't state in the rule that they have the right to ask me for 50 % down of the order if i don't my orders i'll sue them in court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
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:
My account with capital one is too old to stay on credit report and they are taking advantage of dates to keep it on my report longer than 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
We were trying to process a credit card payment, from XXXX ( XXXX ) for our business. Our client, who we have known for over 25 years, was using a Non USA Bank approved credit card. The amount was {$1400.00}. We were using 'Square ' for credit card payments, to accept for our business. We branched out on our own, and this same client, who we have dealt with for over 25 years, followed us, and was making a payment for a business order. Square requested name, address, phone number, email of our client, which we provided. They have now deactivated our account, but made the collection. Money has now been in their control for over a week! I called customer service, and apparently no one has called or verified our client, even though they have all the information. They are now telling us, they are holding funds for at least 90 DAYS! Why we asked, no response, it's their protocol. 
Is this legal? Money has been sitting in their account, and my client is waiting for delivery of their order. What are we suppose to do????????

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: JPMORGAN CHASE & CO.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2022 XXXX transfer from my chase account for XXXX dollars to purchase XXXX XXXX XXXX. the person hung saying he would send me the digital ticket and he never did but I have 3 phone numbers one if disconnected now and one works and the other was used for XXXX transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Based on BMO Harris Bank 's promotion, I opened the checking account on XXXX and funded {$300.00} on XX/XX/XXXX. Then, in three consecutive months, my account was electronically deposited {$2600.00} every month as my payment, in total {$7500.00} the promotion required. I have completed everything they asked for, but I never receive the credit of {$350.00} as BMO Harris Bank promoted. 

XXXX, XXXX of XXXX I call them and my banked told me that I was supposed to see the credit soon. 

Weeks later, On XX/XX/XXXX, I had to call them again about my credit. The Lady answered my call checked My checking account again, said to me : I did see you have Direct deposit of {$2600.00} every month, and I will get this to promotion department and push this through the credit in your account. 

So far, I haven't received it. Obviously, they don't want to honor their promotion.

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 2023-07-05
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2021-10-22
Company: National Credit Systems,Inc.
State: MA
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: First Data Corporation
State: OK
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX XXXX I tried to withdraw funds from an ATM that was not my bank. The funds did not dispense but it was debited from my account. I immediately contacted customer service and was told it, they would send a form in the mail for me to sign and send back. I recieved the form on XXXX XXXX and faxed it back to the number stated on the form. I call today XXXX XXXX to check on the status and they say that they have yet to receive the form. I asked to speak with the dispute dept. but I can not the rep had to. So I was put on hold and when she returned asked for the fax number. Which I gave to her and was told that it was the wrong number. Now I have to fax the form in again and wait.

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 2020-07-14
Company: AMERICAN EXPRESS COMPANY
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: Account status incorrect

Complaint:
American Express has closed my credit account, but every month reports that the account has been charged off. They have been reporting this as a new charge off every month which affects my credit rating. 
I have contacted them in XXXX to negotiate and discuss, but they feel justified in newly reporting a charge off every month. 
The account has been closed since 2017 and this has just began happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY 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 XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
i had a capitol one card which had some late payments.i paid the card in full and I do not have the card anymore .the company told me it was closed, ,however after more than five years, ,they refuse to remove it from my XXXX report, i have disputed it nothing.i have called the  company .nothing it is still on my report with a negative view..please help me .I don't have a balance I paid the entire amount, XXXX I called, XXXX I called, ,i disputed it in XXXX of last year and also this year, ,nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2020 a mailed a formal letter to TRANSUNION requesting documentation validating ( provable documents as to the accuracy, completeness, timeliness and otherwise compliance of how account is reported ) of XXXX XXXX/XXXX Account # XXXX that is listed on my report. On XX/XX/2020 Transunion responded with a letter that investigation is complete however they failed to provide the requested documentation as mentioned above. 

On XX/XX/2020 I mailed a formal letter demanding that TRANSUNION provide validation documentation and allowing 15 additional days to review and comply. 

As of today, XX/XX/2020, TRANSUNION has yet to provide this information within the allotted initial 30 days or the additional 15 grace period. Therefore I request that TRANSUNION delete this account from my credit report immediately.

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 2023-05-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$21000.00}, XXXX  XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$9900.00}, XXXX XXXX XXXX  XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Good afternoon, It has been over 60 days since my mortgage has been paid in full on XX/XX/2022. 

As of today 's date, Wells Fargo still has not provided me a Letter of Satisfaction. 

I'm an honorably retired and permanently XXXX military veteran. Per the Americans with Disabilites Act ( ADA ), I have previously requested Wells Fargo to send correspondence electronically and to continue providing documents via the postal system. 

In the past, I have received electronic correspondence from Wells Fargo that has taken less than 48 hours. 

I'm not sure as to why now that I have paid off the mortgage that it is taking this long to receive via email my Letter of Satisfaction.

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 2020-07-15
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: Information belongs to someone else

Complaint:
I have attempted to remove two accounts off of my credit two times via certified mail. XXXX, XXXX  and Transunion have not helped me at all! I am seeking to get this resolved. I think my identity was stolen or I was hacked because these accounts arent 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 2023-01-24
Company: Experian Information Solutions Inc.
State: CA
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:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2021-05-20
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My credit score with Equifax has dropped 120 points in a week. I have called several times asking what caused the drop as the only recent activity is the deletion of 2 collection accounts and the pay off of a car loan with XXXX XXXX XXXX. 

Their response is that I would receive an email yesterday that didn't arrive and refusal to disclose what caused the drop. They did say their system shows a higher credit score than their portal of which I pay for access. They clearly have an issue, admit there is a discrepancy with scores between their internal system and what they provide me and refuse to offer any assistance explaining the rapid and sharp decline in my credit score. 

Please, please help. I am attempting to salvage my business with an SBA loan that is vulnerable given the lowered credit score. 

A graphic representation from Equifax of my credit score has been attached. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
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: Personal information incorrect

Complaint:
I have tried I'm still remove my address off of my credit report wrote letters and still nothing. at this address is not valid XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Texas XXXX This need to be removed I have reported to remove from XXXX 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