BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted a credit investigation request over 30 days ago, but I have not gotten a response yet. The FCRA states that credit bureaus are supposed to respond within 30 days.

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 2022-04-06
Company: Convergent Resources, Inc.
State: ID
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:
I had a contract issue with XXXX XXXX in XXXX with a sales person who wasnt truthful. concelled the service and XXXX sent the account to a collection company for a XXXX fee. We settled and paid the account. The collection company XXXX XXXX has marked the account as " Disputed by Consumer ''. They refuse to remove this and provide me a petter on their letterhead stating the account is not disputed by the consumer. I have tried numerous times to have this removed and they refuse. Im the consumer and I DO NOT DISPUTE. Their failure to remove this is holding up a mortgage loan causing me now to have a higher rate because of their delay.

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 2021-12-01
Company: U.S. BANCORP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year, this is not a regular dispute I will be seeking to file a complaint with the FTC and XXXX if this account is not deleted off my consumer report and to my knowledge, I do not recall any of these accounts. I need this problem fixed ASAP. I demand this account to be deleted immediately or I will file for litigation due to the stress you caused me. Section XXXX ( a ) it is plainly stated it is plainly stated a failure to investigate these items to immediately remove this item from my credit report. Follow the orders on my cease and desist if not able delete this account 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 non-monetary relief
Consumer complaint received 2020-12-22
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A ALLEGED DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE CONNECTING ME TO THE DEBT.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/22 a payment was sent from our XXXX XXXX credit card to Venmo to pay an individual, Friend X ( not real name ). Friend X was unable to pick up the payment through Venmo. The {$1500.00} payment to Friend X was pending in our Venmo account until XX/XX/22. Contact with Venmo rep XXXX on that day reported this was an error and a claim was filed to credit the {$1500.00} to our account. As of XX/XX/22, there was no credit to our Venmo account and now no evidence the transaction was ever pending. The {$1500.00} payment to Venmo from XXXX XXXX had disappeared from our Venmo account. Contact with a Venmo representative on XX/XX/22 resulted in insistence that the {$1500.00} payment from XXXX XXXX was declined and never went through. However, there had been a pending {$1500.00} payment to the Friend X until XX/XX/22. Likewise, we had evidence of the {$1500.00} payment to Venmo on XX/XX/22 from our XXXX XXXX card ( which we have an XXXX XXXX reference number for ) and we have since paid XXXX XXXX for this charge. Contact with Venmo ( XXXX and XXXX ) on XX/XX/22 resulted in escalation of the account to an account specialist. Contact with XXXX at Venmo on XX/XX/22 reported that the issue continued to be with acct specialist and we needed to be patient. Venmo has reported to us on multiple occasions that the {$1500.00} from XXXX XXXX never went through, however, this is not the case as the pending payment to Friend X for the {$1500.00} transfer was pending in Venmo account until XX/XX/22 ( and we have confirmed with XXXX XXXX that the transaction went through ). Repeat contact with XXXX at Venmo on XX/XX/22 resulted in the same run around with no new information. We are told this issue will be escalated again to an account specialist but contact with account specialist can only occur via email. We have never been able to speak to an account specialist to find out where things stand. Meanwhile the original payee, Friend X who could not pick up the payment, has disappeared entirely from our Venmo account ( again as if it never occurred ) and the account continues NOT to have the {$1500.00} that was paid to Venmo from XXXX XXXX. It is as if the history of the entire transaction was erased. We are concerned that this is a scan from person ( s ) within Venmo since they refuse to resolve this conflict and we have evidence of the XXXX XXXX payment to Venmo.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-22
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: Information belongs to someone else

Complaint:
I noticed a Collection on my Transunion, XXXX & XXXX credit report on XX/XX/2020 XXXX XXXX is reporting a balance on my Credit Report for {$3900.00} which is not my Account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: EQUIFAX, INC.
State: CA
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: Billing dispute for services

Complaint:
On XX/XX/XXXX, I received a credit report alert for the first time through XXXX notifying me about a delinquent account that was reported to the credit bureaus ( which had detrimental effect on my credit score ) by a collection agency, named XXXX XXXX XXXX. This agency acted on behalf of XXXX XXXX Fire Department ( XXXX ) regarding what is perceived to be an overdue payment for XXXX ambulance service on XX/XX/XXXX. While it is true that I had used an ambulance service on that particular date, I had never received a bill through the mail in this regard, bearing in mind that my insurance coverage pays the ambulance service 100 %. 
On XX/XX/XXXX, I contacted XXXX XXXX XXXX to locate my collection account. I discovered that the agency had me under a different last name ( XXXX and not XXXX ), they did n't have my full address ( just the building address without apartment number ) and did n't have my social security number. Afterwards, I called XXXX who acknowledged to me that they had sent a bill to an incomplete address ( a mistake from their part ) and that the mail bounced back to them and they did n't search for my information. They also notified me that they will file a claim to my health insurance company and they will pull back the collections claim and apologized for their mistake. Since, I was kept in the dark for a year and I did n't receive a single mail to inform me of these developments from either parties, I kindly ask to notify all credit bureaus to remove any negative impact this situation could have resulted in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: Experian Information Solutions 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 am a military member and was away for a year and a half. Came how to check my credit report because I am in the process of buying my first home. I have XXXX inquirers on my credit that was not authorized by me, there isnt any proof that I made these request. I contacted customer service and they would not remove any inquiries off of my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Harris & Harris, Ltd.
State: CA
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: Billing dispute for services

Complaint:
On XX/XX/XXXX, I received a credit report alert for the first time through XXXX notifying me about a delinquent account that was reported to the credit bureaus ( which had detrimental effect on my credit score ) by a collection agency, named Harris & Harris. This agency acted on behalf of XXXX XXXX Fire Department ( XXXX ) regarding what is perceived to be an overdue payment for XXXX ambulance service on XX/XX/XXXX. While it is true that I had used an ambulance service on that particular date, I had never received a bill through the mail in this regard, bearing in mind that my insurance coverage pays the ambulance service 100 %. 
On XX/XX/XXXX, I contacted Harris & Harris to locate my collection account. I discovered that the agency had me under a different last name ( XXXX and not XXXX ), they did n't have my full address ( just the building address without apartment number ) and did n't have my social security number.  Afterwards, I called XXXX who acknowledged to me that they had sent a bill to an incomplete address ( a mistake from their part ) and that the mail bounced back to them and they did n't search for my information. They also notified me that they will file a claim to my health insurance company and they will pull back the collections claim and apologized for their mistake. Since, I was kept in the dark for a year and I did n't receive a single mail to inform me of these developments from either parties, I kindly ask to notify all credit bureaus to remove any negative impact this situation could have resulted in my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: PENTAGON FEDERAL CREDIT UNION
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 called XXXX 14 times since XXXX XXXX. On XXXX XXXX I received an inquiry on my credit report from XXXX. It was not anything from me, nor have I ever heard of this bank, so I called them and asked them why they ran my credit. They are unable to answer me. They say they do n't see where I, or anyone else applied for an account, credit card, loan or anything else in my name or with my social security number. They have no clue why they ran my credit. I have asked them to remove the inquiry and they said they would because they do n't know why my credit was even ran. Here it is, a month and a half later, and 14 phone calls later and they still do n't have an answer for me. Just a bunch of customer service representives keep telling me the fraud dept is going to call me back. Of course no one ever calls me back. I 'm tired of having to continually explain my problems, due to your mistake. A mistake that you are failing to fix.

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 2017-10-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Why would I have to pay almost XXXX to freeze my family 's credit when the credit bureau lost my information? I did not ask them to keep a report and now I am supposed to pay to fix THEIR problem? 
Do I have to wait till my credit gets stolen? 
HELLO IS THERE ANYBODY THERE WITH SOME COMMON SENSE and RESPONSIBILITY? 
They make money on our back and when they XXXX up they charge us more?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
After seeing a bunch of unauthorized charges from a vendor I did not recognize, I reported a fraud claim to my bank, Wells Fargo. After reporting XXXX claim, I noticed I had more unauthorized transactions from same vendor earlier in the year, so I opened a second more detailed claim. Wells Fargo honored the first claim, but determined there was no fraud on the second, even though both are unauthorized charges from same vendor. I need Wells Fargo to honor my XXXX claim is also fraud, as they did my first. Its wrong to ignore fraud. Im out a lot of money and need this refunded back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: APEX Asset Management, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A Company called Apex Asset management is on my credit report trying to collect a debt of {$12.00}. I never heard of this company or do n't know what this is for or from. This is not me or my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
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 belongs to someone else

Complaint:
VIOLATES HIPPA AND CRA

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 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself. This company is currently showing 30 days late XX/XX/XXXX ). I have read enough to understand my rights. Transunion is attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 

( XXXX XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08
Company: LEXISNEXIS
State: NC
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: Public record information inaccurate

Complaint:
On XX/XX/2019 I submitted a complaint via mail regarding inaccurate information on my consumer report. I had also submitted information via online on XX/XX/2019 I submitted a dispute with documentation. There is a judgment on my consumer report that does not match my name it is similar however it is not me. I also have a bankruptcy that is due to identity theft I submitted the FTC report, letter from the bankruptcy court advising that the information is inaccurate. Lexis Nexis states that they have verified the information but from where and with what documents. I have documentation to dispute their claims of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself. This company is currently showing 30 days late ( XXXX 2021 ). I have read enough to understand my rights. Equifax is attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 

( XXXXXXXX XXXX  XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I am part of the Experian Data Breach. And now I am getting emails from Experian to protect this information for a fee. 
It seems like Fraud. They leak our information and now want to make money to protect my information they leaked. 

I am over simplifying possibly but that is how I see it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: CAVALRY INVESTMENTS, LLC
State: IL
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 do not have a contract with this creditor, I am not liable for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Source Receivables Management LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
SOURCE RECEIVABLES MNG is reporting negativity on my credit reports ( XXXX XXXX XXXX XXXX  XXXX. This account was supposed to be deleted when it was paid. They 're still actively reporting as a current negative account. I need them to remove based on the agreement we had ... they said they would remove it when it was paid ... Please delete from my records ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX I visited a XXXX resort in XXXX, Florida. After a lengthy sells pitch they sold me on a every other year timeshare. I was never told about my rights to rescind or given the POS. In XX/XX/XXXX, I used the timeshare and discovered it wasnt what I was originally sold. After making many calls and no reply from XXXX didnt hear anything from XXXX resorts until XX/XX/XXXX when they reported a delinquent account to my credit report. I had to call XXXX and I requested the original contract, etc.. ( via phone & written request ) which no one would assist, they just tried to sell me on a new timeshare. Completely disregarding my concerns. I have nothing with my signature stating I agreed or authorized XXXX to report to the credit bureaus. I have never received an inquiry to access my credit report and they have never reported the account until 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