BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-23
Company: U.S. BANCORP
State: ID
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I got locked out of my account and there is no way to contact them they only offer a phone number that a auto responder will put you on hold for serval hours then hang up on you they do not offer any online chat service or any other way to resolve any problems with there card I have on hold day and night for a week and I haven't been able to talk with anyone and they have over {$1000.00} dollar 's of my money that I have no access to

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 2022-04-27
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:
I have requested from TransUnion to verify with method of verification of an collection account on my credit report from " Fair Collections & Outsourcing XXXX XXXX with letters dated XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. As to this date I have not received from TransUnion any proof that this account is correct, I just receive back a letter stating that the account was verified with no proof of method of verification. I have attached the letters sent to TransUnion.

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 2021-12-02
Company: EQUIFAX, INC.
State: NC
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:
Inacurrate and fraudulent accounts reported from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: Aargon Agency, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Recently Aargon placed a collection account on my credit reports that I 'm not responsible for due t the fact that I was a victim of identity theft. I have filed a police report and disputed the account with the credit bureaus but Aargon verified it to the bureaus as mine. I am reporting this complaint because I 'm suffering damages because of this unfortunate incident. I feel as if Aargon refuses to reason with me to have this account removed from my credit reports with my statement and official police 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 2020-02-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been trying to dispute fraudulent information that i noticed have been reported on my credit report. Several months back i had my identity stolen and I am in desperate need of these items being reviewed and blocked. This has made my life very difficult! I know that i have been receiving emails and calls about debt that is not mine and my information has also been exposed in several major data breaches.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Innovis
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX client, XXXX XXXX is a victim of identity theft. While reviewing a credit report he found a fraudulent inquiry from your CBCinnovis/XXXX XXXX  being reported to his XXXX and XXXX   credit reports. This inquiry was made XX/XX/2018 and was done without his consent. A formal dispute was provided to CBCinnovis/XXXX XXXX XX/XX/2018. While the item was supposed to have been removed as fraudulent the data is still being reported to the XXXX   credit report as of XX/XX/2018 ; this is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no 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 non-monetary relief
Consumer complaint received 2020-02-22
Company: AMERICAN EXPRESS COMPANY
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:
2017 I opened. Amex Green Card, Gold Card, and Everyday Card. After I paid the accounts off on time they were removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
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: Account information incorrect

Complaint:
I have contacted Equifax on several occasions Over the past three months due to reporting issues. First there were errors that were requested to be fixed for several months then Suddenly my information did not report at all except for one cancelled account from years ago. It has impacted my ability to buy a home at prime rate, and led to multiple unnecessary and score impacting inquiries. When I called I was asked to submit copies of my Social Security card and an ID and they stated that within 4 to 6 weeks that would get my file corrected. That has not happened and this was BEFORE the data breech which Im now informed Ive been impacted by as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I believe the reporting credit bureaus are in violation XXXX XXXX And Trans Union stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 b

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 2022-04-27
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I advised the company to stop calling me and place a cease and desist on my number, they have call multiple of times after that, i Also sent a debt validation letter stating they to validate the debt and all communication should be done through mail, and they are still calling harassing by phone

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX my passport, XXXX XXXX gift cardXXXX XXXX XXXX  card, and XXXX  membership all these transactions must be dispute and return money to credit card service.

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 2020-02-22
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The report given was made in violation of the FCRA, which requires the accuracy and the authenticity of the debt being mine, the accuracy applies to the ownership of debt as well as its authenticity being derived from my action

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This bill was not billed to insurance and it should have been. When I visited the office they accepted my insurance cards ran them as active and I was seen, a year or more later they said my insurance was inactive which is ridiculous! If my insurance was not active at the time of the visit I would have asked to NOT be seen so that I dont obtain a bill later.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
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: Account information incorrect

Complaint:
The account listed on my credit report from XXXX is listing the account as settled for a lesser amount. I had two accounts on my credit report from them the original account and a judgement account. The original account still remains which is fine, but I paid the full balance of what was owed on the vehicle, as I was garnished by XXXX  for the amount. They filed a Court claim and I did not receive the initial information, and they received a judgement. Under the new reporting rules, judgements can not be listed or referred to on the credit reports. Therefore, XXXX  is reporting inaccurate information under the original account when they state the account was settled for less than the original amount. I disputed this information in XX/XX/2019 through Transunion and advised of this, asking them to dispute this information. Transunion came back after a few days saying the information was accurate. 

This is not accurate as I paid over {$20000.00} to XXXX  regarding this vehicle account and the original amount was {$14000.00}.

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 2021-02-12
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I used my Victoria secret credit card to purchase 5 Victoria secret gift cards. 3 of those gift cards were put into my fiancs Victoria secret app. Which was hacked and our personal information was placed in that app and the money has been stolen from us along with our information. And Victoria secret confirmed during my phone call today XX/XX/2021 at XXXX than someone else not matching mine or my fiancs names nor our addresses did use our money and they verified that and then sent us in a circle of hours long phone saying they made a case and determined nothing needed to be done. That our information has been hacked from their Victoria secret app. And our money us been stolen from their app. And they want to bury the issue. I want our money back and our personal information protected we are going to file a police report against Victoria secret for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Equifax multiple times to dispute the fraudulent hard credit inquiry by XXXX and XXXX that occurred on XX/XX/2019. Equifax always finds that they can not remove it and I should contact XXXX. I have letters from XXXX and XXXX admitting it was a fraudulent application for credit that resulted in the inquiry and agreed to have it corrected on my credit report but nothing ever happens. This has been going on since I reported it to XXXX and XXXX on XX/XX/2019. I am considering legal action against all 3 companies ( Equifax, XXXX, and XXXX ) since they share responsibility for damaging my credit by continuing to allow the fraudulent hard inquiry to be on my credit report after being notified multiple times to correct it which means they have acted in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I applied for a SunTrust XXXX HELOC in XX/XX/XXXX via online because of the favorable rates and terms from a promotional mailer I received. In XXXX of XXXX was the closing at a SunTrust Branch. In order to set a closing date I had to verbally approve the terms on the HELOC on a recorded line. During the recording I agreed to draw XXXX at 3.49 % for 10 years fixed. This was on the mailer I received as well. I knew that the first draw was a promotional 3.49 % that had to be a minimum of XXXX for 10 years. The issue of my complain is what I was told my fixed rate would be on " subsequent '' draws of a minimum of XXXX. This is important because I planned to use the funds to build a pool which at the time of the closing in XXXX was not needed for several months. I was told upon asking via the recorded line that my fixed rate for future draws would be 3.99 % as long as it was XXXX and it was for a period up to 15 years. This entire process was done online and over the telephone except for the closing which was at the SunTrust Branch. The banker informed me i was there just to sign and that her role was not to go over the rates and terms of the HELOC because that was done on a recorded line about a week prior. Fast forward to XX/XX/XXXX when I went to a now Truist Branch since they merged soon after closing on the HELOC in XXXX my fixed rate would be prime + 1.99 %. This information was not conveyed to me on the recorded line. I have since reached out to Truist asking for a transcript or copy of the recording and they have refused to provide me this. The recording, I know, will show that what i was told and what I am being offered now is extremely inconsistent.

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 2017-09-29
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX 2017 I received an alert that a collection had been added to my credit profile. When i logged in, a collection account listed under DCI appeared on my credit report. Based on the information XXXX is the original creditor. I have never received notice of such debt and immediately disputed the account and requested validation of debt. My rights have been violated under the FCRA. I am allowed the rights dispute debt before it is placed on your credit profile and I was unable to do this. Also to my understanding several notices must be sent. I only received one and that was after it was placed on my credit profiled. I then emailed the company and disputed the debt asking them to kindly remove until investigation has been completed. Which again I have the right under the FCRA. This has not been done and I feel like this whole thing has been handled unfairly and not according to guidelines set by the FCRA. Please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
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 status incorrect

Complaint:
Listed on my credit report is a Credit collection by XXXX XXXX representing XXXX XXXX XXXX for a balance in the amount of {$950.00}. Also on my credit report is XXXX XXXX XXXX. I have disputed this account multiple times but what upsets me more now is that both companies are listed on my credit report as if I owe the same debt twice. It is unfair that they are both listed on my credit report appearing that I have multiple accounts in a negative status and being denied credit. I am asking that XXXX XXXX be deleted immediately as they are not the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: EQUIFAX, INC.
State: WA
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 disputed 10 hard inquiries on my equifax report with equifax and they stated that they have been verified. So on XX/XX/XXXX I wrote a dispute letter and mailed it to equifax asking them to show proof of how they verified these hard inquiries and to show permissible purpose. They said to contact the creditors. Ive contacted several of the creditors and theyve told me theres no proof of application or info on me. Equifax is not reporting on my credit report correctly and I want these inquirys removed immediately. 
I also disputed a collection account that I do not believe is accurate or belongs to me. XXXX XXXX. I mailed this dispute letter in on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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: Account status incorrect

Complaint:
Transunion XXXX XXXX are reporting a XXXX XXXX  account showing incorrect info. Never have I had an account with them. 
XXXX {$510.00}

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 2017-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Listed on my credit report is a XXXX collection by XXXX XXXX representing XXXX XXXX Bank for a balance in the amount of {$950.00}. Also on my credit report is XXXX XXXX Bank. I have disputed this account multiple times but what upsets me more now is that both companies are listed on my credit report as if I owe the same debt twice. It is unfair that they are both listed on my credit report appearing that I have multiple accounts in a negative status and being denied credit. I am asking that XXXX XXXX be deleted immediately as they are not the original creditor.

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 2019-06-21
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. My name is XXXX XXXX XXXX please remove any other variation of my name. My SS XXXX DOB XXXX. My current and only address is XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX please delete the folowing addresses they are not correct : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX,  XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX Please remove these unknown cellphone number they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation