BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: PR
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:
On XX/XX/XXXX, I claimed to Equifax, an account Inquiry under the names of : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX I summated a dispute for those inquiries multiple times and on the same day I received the results of the investigation. I received confirmation number : XXXX the results of that investigation say that those are accurate and will stay for two years. I dont know how in less than 24 hours Equifax verify the authenticity of the inquires knowing that I have an identity thief case. 

Also, On XX/XX/XXXX, was reported to Equifax, an account under the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX on that same day I summated a dispute for that account. On XX/XX/XXXX, I received confirmation number : XXXX the results of that investigation and change the information to a closed account. 
I summated an appeal and to this date ; I havent received an answer. These actions violate the XXXX U.S. Code 1681e - 15 U.S. Code 1681i

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Unfortunately i was hit by XXXX, i wanted to ask for my only XXXX late payment this hit my account. I was never late.

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 2020-10-30
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: Personal information incorrect

Complaint:
I have sent them letters, request, I have called and yet they have not deleted the old, incorrect, outdated, obsolete information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: U.S. BANCORP
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX XXXX XXXX ( cardmember services ) took {$93.00} from my account. This was arranged. On XX/XX/XXXX another {$93.00} was taken. I called to have the additional payment reversed and was told to wait until it posted. The company reversed both payments ( should only have reversed one ), plus a {$25.00} fee for each. Now a {$93.00} ( which should not have incurred a late fee ) has swelled to {$230.00} ( plus additional interest on the inflated amounts ) Noticing my account on XX/XX/XXXX, I again called to resolve this matter and was assured it would appear corrected on my new statement. XX/XX/XXXX, more interest fees for XX/XX/XXXX payment without correction. The company is reporting delinquent/late on this account to the 3 reporting agencies which is seriously impacting my credit score

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 2020-05-29
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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX XXXX Company Inquiries : XXXX/XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked for VALIDATION not verification in regards to this account. You have only sent a bill with mine and my brother in laws names. ( Which he already took you to court and won due to you NOT having a signed contract ). I did not ask for a bill, I have asked for a signed contract which is my right under the fair credit act. If you can not provide a signed contract, you must remove this from my report. 
I also stated in my last complaint that the collection agency being used is not bonded in my state.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Experian Information Solutions Inc.
State: MA
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:
Morning .... 
My Experian credit report shows an employer that is unknown to me. I file
d two disputes with Experian and they are unwilling to correct. 
This employer is only identified by 'XXXX ' without any other details. 
A XXXX search comes up blank and Experian has/will not provided me with any further details of who this might be. 

Thank you.

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 2020-11-24
Company: Credit Corp Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I believe it was the beginning of XX/XX/2020, I answered a phone call from Credit Corps Solutions trying to get ahold of my husband about a debt that they had acquired. I told them I would have to talk to my husband before I did any business with them. We checked both of our credit reports and the debt they were claiming he owed was not on any of his 3 reports. 

So after ignoring their phone calls for a while, on XX/XX/2020, I answered one of their calls, verified that the call was being recorded, and told them that they are in violation of the fair debt collections practices act and they need to send us a validation of debt letter. Stop calling and any further communication needs to be done in writing. 

Since that phone call, almost two months ago, I am still receiving 1 to 3 phone calls every day ( Monday - Friday ). It's harassment. I'm tired of it. And the phone calls aren't even for me! That is MY cell phone number. They have my husband 's number ( not that I want them harassing him either ). I want them to STOP CALLING ME and just send us letters in the mail like I asked them to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received notice that if i took care of this debt it would be updated as paid as agreed but after 30 days it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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: Investigation took more than 30 days

Complaint:
XXXX XXXX sold my student loans to XXXX XXXX AND I paid them in full with a XXXX which finances the loan for pay off and set off. Since the loans are off XXXX XXXX XXXX they should not be reported like they are still owning the loan themselves. What i want for them to do is stop reporting the loan and remove the items from my credit report becuase they sold the debt to XXXX XXXX and no own it. 


XXXX XXXXXXXX was paid with a XXXX and is committing trust fraud bank fraud and money laudering etc which i will be reporting to other companies as well.

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 2020-09-10
Company: DISCOVER BANK
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 customer service

Complaint:
On XX/XX/2020 XXXX, ( I ) transacted an online sale involving, " XXXX '' and utilized my " XXXX credit card account '' ( " XXXX '' XXXX to pay for the transaction. 

Two charges were applied to XXXX, first charge for {$98.00} and second charge for {$49.00}. Merchant failed to fulfill order and order was cancelled. Even though order was cancelled XXXX failed to refund charges to XXXX for both charges. 

Concomitantly, I opened a dispute for both charges through XXXX XXXX XXXX case # XXXX, {$49.00} and case # XXXX, {$98.00} ). I provided adequate details for my dispute and provided documentation in support of my dispute. However, XXXX initiated a credit for only one of two charges. 

Therefore, I am asking XXXX to initiate credit for both charges and credit the {$49.00} with {$98.00}, since charges are conterminously together.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Upon being denied a credit card that was supposedly guaranteed, I was sent a letter describing why this happened. Apparently, I need to add a phone number to the fraud alert on my Experian credit report, but I can not get through to speak to a human being on the automated phone number, which is the only one I can find. I can not log into my account because Experian has a record of my existing account, but my old password and username would not pull up any matching records. I reset the password through the automated system, but that will not work either, and it is impossible to get any help at all even after being denied credit due to this issue. When companies like Experian determine whether or not I can get credit for a medical issue, they need to actually answer the phone and give people the help they need to resolve a simple issue like just adding a phone number to the fraud alert.

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 2020-10-30
Company: Experian Information Solutions Inc.
State: LA
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:
I have had a credit repair company XXXX XXXX XXXX multiple times and the federal school loans will not corporate with them that I pay to try and reach out to get the information correcred XX/XX/XXXX thru XX/XX/XXXX I have myself today once again, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have been trying to been disputing these accounts since XX/XX/XXXX. Comments where added : different on all 3 reports, payment status do not match, account details. I get a three bureau credit report from XXXX every 2 months. I can send my credit report if needed and I have tried to contact the original creditors and they tell me they can not do anything at all for me. The credit bureaus or reluctant to help and only agree to help since I said I was reporting to the FTC and my credit score goes down everytime I ask for a dispute because they put comment on my credit reports. My current school loan is current since this year. I am asking for accurate information and all 3 credit bureaus to match. The school loans are allowed to get away with sloppy reporting and its hurting my credit because of the classification and not all being removed from my credit report if it was from another once I disputed it. I can gladly send a credit report so you may see yourself.

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 2023-02-27
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act XXXX 15 USC 1681 section 602 A states I have the right to privacy.15 USC 1681 604 A section 2 It also states a reporting agency can not furnish a account without my written instructions. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-02-10
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance {$200.00} XXXX XXXXXXXX Balance {$2000.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$7600.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX XXXX Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: SYNCHRONY FINANCIAL
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:
A charge was made for the amount of {$3600.00} to my synchrony care credit account for a procedure at my Doctors Office XXXX XXXX on XX/XX/XXXX. But The same amount was charged at a different location called XXXX XXXX XXXX that I did not authorize. I don't know this merchant or have visited their center. I reported this as fraud in XX/XX/XXXX. My account was closed and I received a new card in the mail. As of XX/XX/XXXX they keep closing all my fraud claims report with no reason. I only receive letters saying I authorized the purchase when I clearly have stated countless times that is a fraud charge. I call every week to speak to different representatives who offer no help. I have to keep calling to open countless fraud claims as they keep closing it and never give me a definite answer. 

It has affected my credit tremendously. I have called and sent faxes of the error and my Doctor 's Office XXXX XXXX has spoken with them to confirm they don't know who the other Merchant is. I recently had to open my 6 Fraud claim with Care Credit. This  happened in XXXX and It is XXXX and I have not received any help with this issue, but keep getting charged a high interest rate. On top of the fact that it went over my credit limit. 

They also deleted off my account the statements leading back to XXXX so I am not able to see those transaction unless i request it to be sent to me. I have requested those statement 3 times and I have yet to receive them. Please help as I am not sure what else to do.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I am trying to submit a claim against wells fargo for bad business practices and incorrect fees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband died in XXXX. Our home loan was in his name only. Ocwen Loan Servicing LLC, required that I obtain " Letters of Administration '' to be able to speak to them about the loan. I did so. Then when I was in the process of applying for a loan modification there was a problem with one final document. My " Relationship Manager '' had mismarked an item on the document, I spoke to him and others about correcting the item to no avail. On XX/XX/XXXX Ocwen foreclosed on my home. When I learned of this in early XX/XX/XXXX I emailed every department in the company. The research department reached out to me wanting evidence of the issue I had that held up the application which, I provided to them. They then requested new documents with which to proceed with the modification, notifying me on XX/XX/XXXX " Please be informed that our records show that we received the documents on XX/XX/XXXX. Please allow 3-5 business days for the information to be reviewed to confirm we received all the necessary documents. In addition, we have referred the issue to the appropriate team who can take back the Foreclosure. '' Since that date, I have been told that my modification was " under review ''. My account page on the Ocwen website showed that the property had been foreclosed but that I was " under review '' as well. 
On XX/XX/XXXX, A gentleman knocked on my door, told me that he had bought my house, and showed me the Deed in his name. I verified it with the Assessor 's Office. So while I was " under review '', Ocwen both foreclosed and sold my home. I've contacted the Ombudsman for Ocwen and XXXX XXXX, each is looking into the matter. 
On XX/XX/XXXX I was served a 3-day Eviction Notice. I've called, left messages with Ocwen, emailed them, I've had no return contact as of yet. Tomorrow I'm meeting with XXXX XXXX XXXX hoping to fight the eviction at least long enough to get positive results from Ocwen. 
Any help you can be with this would be appreciated beyond words.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Synovus Bank
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2019. 
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation