BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 2020-07-13
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
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 pulled my credit in XX/XX/2020 and discovered inaccuracies I filled out an identity theft affidavit an reported the incorrect incorrect information to all 3 credit burrows there has been no resolve to my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Innovis
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:
This is my second written request for the removal or block of information that does not belong to me, my identity has been stolen and accounts had been open in my name, I have try to resolve this with credit reporting agencies, I have field a police report ( XXXX Police # XXXX ) an FTC ( XXXX ) report had been filed copies are attached. Please remove this account from my credit file.Please remove all none account holding inquiries, any address other than my current and send me copies of updated report. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
In XXXX of 2018 I opened an American Express Delta card after receiving an offer for XXXX miles. Since Amex has rules about the bonus I asked two reps over chat if I were eligible and both said yes ( I will attach screenshots. ) Based on this information I got the card ( lowering my credit score ), met the needed spend ( that Amex would not have gotten ) and never received the bonus miles. I asked about this and Amex opened an investigation. When I called a supervisor told me : - First that I had the card before ( I said I asked two chat agents ) - Then he told me I didn't meet the spend requirement ( but after some math, he saw I did ) - And finally that Amex just decided not to give me the bonus. He also said that what the reps told me is meaningless and offered nothing. 

He clearly had no idea. I don't understand how they can decide AFTER I get the card and AFTER I specifically asked their employees in writing if I was eligible to not honor the offer!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: CMRE Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm being charged {$15.00} for a debt that was coded wrong. I had called the company and told them they coded it wrong, per the insurance company. This was preventive care. now I'm getting a statement from CMRE Financial Services. I called them and told them this was not my debt. It was coded wrong. They were very unprofessional, disgusting tone of voice, and very disrespectful. I'm totally disputing this claim and I told them so. They hung up on me. Please handle this promptly! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
TransUnion continues to lower my credit score when my balances are GOING DOWN. TransUnion is DANGEROUS to people who are actually working to improve their scores. Will my credit score go UP if I max out my credit cards? Who's running that XXXX  business, a toddler?

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 2021-02-24
Company: Santander Consumer USA Holdings Inc.
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: Account status incorrect

Complaint:
Brought the car in XX/XX/2026, placed XXXX down on the car that the dealership and bank stated was towards the car. The car was for originally $ XXXX. I paid Two payments of XXXX the same day i brought My car. Sadly two weeks later was t bone and the car written off for a value of {$10000.00}. My insurance insured the check to the bank but some how i owe XXXX which makes no sense as payments are {$270.00}. They close the account after several years of me disputing the information and now said it was repo when it was never repo it was salvage. I still Ended up paying the debt off as a repo kill my credit, but theyve yet to do as I was told my a rep a remove the charge off. They never tried to make me whole again after the wreck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2021-02-10
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2021, PayPal, {$950.00} and {$2500.00}! My credit union stopped payment on the {$2500.00} and disputed the already paid {$950.00}. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX! PayPal refused to stop the payment on their end after 6 attempts to complain and filed a claim of fraud! The people trying to defraud me are XXXX XXXX ( XXXX ( XXXX ) XXXX, XXXX ), XXXX XXXX ( XXXX, money sent on PayPal ) , XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ) used priority USPS mail to send fake check ( tracking # XXXX )! Car Wrap job scam! I have also filed a complaint with the consumer protection agency ( reference # XXXX ) and with the USPS inspector general ( reference number is XXXX XXXX XXXXXXXX )! PayPal is refusing to stop payment on these transactions even after my credit Union said they were fraudulent! Case # s ( {$950.00} dispute Case ID : XXXX ) ( {$2500.00} Dispute Case ID : XXXX )!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I had some issues withe a negative account being reported on my credit report, so I disputed the item on XX/XX/2020 but never received a response from any of the bureaus, I though that it was because of COVID19, but it has been more than 2 months, and I have yet to receive anything in the mail. 
The account disputed was XXXX XXXX, account number : XXXX. I would like to receive a response back pertaining to this matter, as I am in the process of purchasing a home, but I can't move forward without this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My vehicle became a total loss in XXXX of 2020. My insurance have issued a total of 3 payments in order to resolve the issue. However the checks are being rejected and no one has given a reason as to why. Also I relocated in XXXX of 2020, and I updated my current address at that time and Ive never received any correspondence of any type until XXXX, after I sent a few emails to total loss trying to get answers and I put all information that i assumed was needed in the email in hopes that things would her done & there would be no excuses. Still no response to emails or no contact to discuss the issue with the returned checks or emails I had sent regarding the delinquent amount on my credit report. Ive never spoken with BBVA total loss department, only collection who had no knowledge of anything that was going on.. I have call and sent emails. In XXXX was when i received a credit alert saying that {$3600.00} was 30 days pass due as of XX/XX/XXXX. I dont know what this amount is and Ive contact BBVA loan department and no one is able to explain and suggest transferring me to Total loss who never answers. Just recently Ive received a notice in the mail and Im still puzzled because theres been a third check reissued in attempt to pay out the loan and the delinquent notice i received this month doesnt match what is on the credit report. This is a lot to type m, all Im asking is that this mess get cleared up, payments applied like they should have been months ago and my credit is cleared up with this outrageous delinquent amount. I do not understand how all this can happen with zero communication. Im finding out that checks arent being applied because i call and the automated system give me the full loan balance, less the gap payment that was also under paid because of BBVA giving wrong information. I was not aware of a {$3600.00} delinquent payment that has be placed on my credit i have no clue what that amount could possible be and no one has called or sent any notice about it. BBVA has failed at handling this total loss.. they have been issued a total of 3 checks not 1 but 3, 3 different times, in the same amounts and they cant seem to apply anyone of them to pay this loan off. I have never had a delinquent payment over the coarse of the loan never! Ive paid the loan even during hard times.. Durning my layoff due to Covid I had 4 deferred payments and that has been paid. I was never delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There was 2 fraud/unauthorized inquiry 's on my account which I had received a letter in mail months ago would be removed but they still appear on my transunion and possible other credit reporting companies. On XX/XX/2019 I am being told I made a Inquiry with both XXXX XXXX XXXX and XXXX XXXX store which I never applied or authorized anyone to run a credit check as i do not shop in these store. You will not find my signature anywhere applying for these cards. The letter I was sent saying it would be removed unfortunately I have misplaced otherwise I would attach it here.

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 2022-10-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/21 IRS sent a THIRD ECONOMIC IMPACT PAYMENT XXXX XXXX XXXX direct deposit {$2800.00} to J P MORGAN BANK ( XXXX ) XXXX Routing number XXXX Account number XXXX But, this is not our account. 
We notified IRS. IRS sent us a letter with a J P MORGAN BANK phone number, and told us to solve ourselves. 
We called J P MORGAN BANK, and they refuse to trace, also they told us called back to IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
capitalone bank cards are in collusion with XXXX XXXX XXXX accounts are lock in to my credit files and wont come out. force transunion to unloack and get lettr of deletion from them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
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: Investigation took more than 30 days

Complaint:
I had some issues withe a negative account being reported on my credit report, so I disputed the item on XX/XX/2020 but never received a response from any of the bureaus, I though that it was because of COVID19, but it has been more than 2 months, and I have yet to receive anything in the mail. 
The account disputed was XXXX XXXX, account number : XXXX. I would like to receive a response back pertaining to this matter, as I am in the process of purchasing a home, but I can't move forward without this.

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 2020-09-09
Company: BBVA FINANCIAL CORPORATION
State: NY
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:
I AM REQUESTING THAT BBVA WORK WITH XXXX XXXX TO RESOLVE THIS ISSUE WITH MY CREDIT CARD. THIS MATTER HAS BEEN GOING ON SINCE XX/XX/2020. AS STATED IN THE E-MAIL BELOW FROM MR. XXXX XXXX ( XXXX XXXX ) THEY WANT TO PROCESS A REFUND TO ME BUT MS. XXXX XXXX ( BBVA ) WILL NOT WORK WITH THE MERCHANT ( XXXX XXXX ) SO I CAN GET MY CREDIT CARD REFUND AND HAVE THIS ISSUE REMOVED FROM MY CREDIT REPORT AND RESTORE MY GOOD NAME. PLEASE HELP!!! 




XXXX XXXX XX/XX/2020 XXXX GMT-5 Hello XXXX, I understand your need to get this resolved but BBVA can not assist any further. The charge back was refused by the merchant and/or the merchant 's bank. BBVA has no further rights in this matter. You will need to work this out with the merchant, as we have exhausted our rights through VISA. 

XXXX XXXX XXXX XXXX XXXX - Client Care Analyst II Tel. XXXX XXXX Mailing Address - XXXX XXXX XXXX XXXX, AZ XXXX / AZ-PH-TE-ROA Before you print this message please consider if it is really necessary. Antes de imprimir este mensaje, por favor comprueba que es necesario hacerlo. 

To learn more about the personal information we collect and how we may use such information, please visit www.bbvausa.com/policy/ccpa. 


XXXX XXXX ( XXXX XXXX ) 2XX/XX/2020 XXXX GMT-5 Dear XXXX, Thank you very much for your response. 
I confirm that our system shows that the amount has not been released in our favor, so we can process the refund to Mr. XXXX. 
Could you please confirm if the amount will be released to us or an approximate date when this will happen. 
We remain very attentive to your response. 
Regards, ________________________________________ XXXX XXXX XXXX XXXX Dear Ms. XXXX ; I have been in constant contact via e-mail with Mr. XXXX from XXXX XXXX and they are willing to resolve this matter and clear my account as stated in the communication below he needs BBVA to release the credit and chargeback so this matter can be resolved. Could you kindly look into this so we can expedite and clear my credit account. 


Thank you ; Rev. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: EQUIFAX, 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:
Creditor : XXXX Credit Bureau : Equifax XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Equifax on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XX/XX/XXXX ) I contacted XXXXXXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/2017, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX or Equifax who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: WELLS FARGO & COMPANY
State: MN
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:
I had purchased flights through XXXX XXXX  XXXX on XX/XX/2019 with my Wells Fargo XXXX credit card. The flight was canceled in XXXX due to Covid and I have called them and messaged them on XXXX and they are saying that the refund is still just in progress and it has been over 5 months.

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 2022-11-17
Company: Experian Information Solutions Inc.
State: NE
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:
WHILE ON THE WEBSITE IT WOULD NOT ALLOW MY LOCKING THE CREDIT REPORT WITHOUT PAYING A FEE. 

ADDITIONALLY, MY INITIAL CREDIT SCORE WAS XXXX, AFTER I " JOINED '' THE SCOPE IMMEDIATELY JUMPED TO XXXX. THIS IS ARTIFICIALLY HOLDING THE SCORE DOWN AND DOES NOT REPRESENT FAIR CREDIT REPORTING. THIS WILL BE REPORTED. 

EXPERIAN HAS CLEARLY ADOPTED ITS BUSINESS MODEL TO FORCE THE CONSUMER TO PAY TO GET ACCURATE AND UPDATED INFORMATION, WITHHOLDING THE KIND OF INFORMATION NECESSARY FOR THE CONSUMER TO PROTECT THEMSELVES AGAINST DIGITAL THEFT OF THEIR DATA. 

ACCURATE AND FAIR REPORTING OF CREDIT SCORES AND LOCKOUTS ARE TO BE BASIC TO PROTECTION AND PRIVACY IN THE PROCESS OF PROVIDING THIS INFORMATION. THEIR FEES FOR SERVICE SHOULD BE ON THE BACKS OF THOSE THAT USE THE BUSINESS INTELLIGENCE IN THEIR FOR-PROFIT BUSINESS, NOT ON THE BACKS OF THE PEOPLE WHOS DATA IS USED FOR THAT BUSINESS INTELLIGENCE. EXPERIAN IS CHARGING ON BOTH SIDES OF THIS DIME AT THE EXPENSE OF THE CONSUMER THAT CAN NOT AFFORD THEIR SUBSCRIPTION FEES AND THIS NEEDS TO BE CORRECTED.

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