BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-26
Company: Experian Information Solutions Inc.
State: NY
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 sent out a letter dated XX/XX/XXXX to have inaccurate items removed from my credit report. Those items were XXXX XXXX XXXX and XXXX self reported. Those are items I do not recognize. They could possibly be a result of Identity theft. Experian has not provided the method of assessment to indicate that those items belong on my credit report and therefore they must be removed. 

I also sent a letter dated XX/XX/XXXX, Document # : XXXX stating that the unauthorized account XXXX XXXXXXXX XXXX. That was also not removed as per my request. I did not authorize a credit card to be opened by first premier bank, nor did I give Experian permission to report such account. It's a violation of my privacy and causes damage financially.

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 2019-04-26
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: Information belongs to someone else

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, I filed a dispute on my Transunion credit report for a account that has been paid. I have confirmation from the account holder. Transunion says that they need a letter from the holder if the holder does not report a XXXX balance. The holder has not reported XXXX balance and has not sent a letter. Transunion has refused the email confirmation from XXXX. This is negatively affecting my score and as a result, affecting tenant screening. I have reached out to Transunion multiple times and am always told to follow up with XXXX. Transunion is the reporting agency and has violated the FCRA by repeatedly showing incorrect information.

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 2023-03-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo denied me a A refi on my mortgage which caused me to go in a foreclosure

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 2017-11-23
Company: Experian Information Solutions Inc.
State: CO
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:
As reported in Experian, XXXX reduced my credit limit on an account i believe that I do NOT hold. with little to no info being provided, it has been impossible for me to clarify this with Experian or XXXX. I believe this information has been posted in error. 

Company XXXX Address XXXX XXXX XXXX XXXX, SD XXXX Phone BYMAILONLY Date Occurred XX/XX/2017 Source EXPERIAN Previous Limit {$3000.00} New Limit {$2200.00}

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 2023-03-15
Company: EQUIFAX, 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: Account status incorrect

Complaint:
There is a Child Support account currently listed on my credit report that is reporting inaccurate. This account has continuously caused me so much grief. When I first noticed it, it appeared to belong to someone else because the account balance was so grossly high, {$14000.00} and furnished as a collection. When I reported this account back in XXXX of XXXX, the balance was reduced to {$490.00} as of XX/XX/XXXX. This account balance does not reflect the balance of an account I have with the state of Missouri Department of Social Services. On XX/XX/XXXX, I received a signed document from the Missouri Department of Social Services showing that the account that I actually do have has a balance of {$0.00}. However, the report Equifax furnished on XX/XX/XXXX, shows an account with a balance of {$490.00}. Then, the same account shows a balance of {$920.00} that was updated on XX/XX/XXXX. 

I have sent letters in the mail to Equifax to try to resolve this matter as I am aware this agency is suppose to have procedures in place that assure they only report accurate information on my consumer report. Instead of correcting the inaccurate, they keep making changes and this is making things worse for me on top of the unneccessary stress. This account is obviously not accurate and should be deleted from my credit report. This is ridiculous! I have attached the letters from the Missouri showing how the information Equifax is reporting is, in fact, inaccurate. None of it is the same!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Ive had a Chase credit card since 2014 and made payments on time for 4 years. I set up automatic payments by phone, but they didnt go through and I was delinquent 2 months so they closed my account without my knowledge. I got an email to make a payment before XX/XX/XXXX so I made a big payment by phone for {$560.00} on XX/XX/XXXX and was confirmed by a rep. I also set up automatic payments for the rest of the year to pay off the balance. Was told that my account was now up to date. On my credit report its showing account closed and my score dropped XXXX points. I have been trying to resolve this for a month and keep getting passed around on their automated system. A chase branch rep, actual human told me to call the credit bureau Dept and I couldnt not get a hold of that Dept. I got a job that pays more and will be able to pay this credit off, but need this negative strike removed and my account back open to show my history with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! 

1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation?

5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to?

b.On what date?

c.How long was the conversation?

d.What was their position? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX e.What telephone number did you call?

f. What is the name of the employee of your company that spoke directly to the above party?

g.What is the position of the employee of your company that spoke directly to the above party?

h.How long has that employee been employed by your company?

i.What formal training was provided to this employee to investigate items of this kind?

j.Was there any e-mail or written communication between members of your company and the above party?

8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease

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 2023-01-04
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-05-23
Company: EQUIFAX, INC.
State: MS
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 XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX 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 XXXX. I do not understand why they are abusing consumers XXXXThis 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 XXXX more than 21 times. XXXX 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 XXXXXXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
so i got robbed for XXXX. girl in my building asked to cash a check she is a XXXX singer i livew in XXXX i said ok, then next day XXXX was in my account through a boigus check. wells fargo refuses to pay me back, i pad the XXXX to not mess up my credit. they said they arent at fualt and im out of luck. I did not do any of these transaction, i was straight robbed. it has taken me this long to make a complaint because i was working and trying to survive in XXXX with no money. i want to sue, get my money back from wells fargo. they are at fualt. the check was obv fruad. the transactions these ppl did with my account were red flags and they did nothing. this is absoultly ridiculus.

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 2022-08-30
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX called XXXX XXXX spoke to XXXX XXXX I told her the debt needed to be removed since it was eight years old inception XXXX, she said no that there was a payment of XXXX paid XX/XX/XXXX I said neither myself or x paid this I asked for copy of payment she could not provide and said I had to pay I told her I could do a settlement because I was recently laid off at first would not take amount they said ok I asked for it in writing and she said she could not give me in writing until I gave my payment info routing acct number. Which I did not give since she was unwilling to give me anything in writing the debt is eight yrs old, they could not provide me documentation requested. She said this is not a judgement yet but rev by attorney and would be. This is wrong I tried to no avail Thank you XXXX XXXX I spoke to the rep at 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 2023-01-05
Company: EQUIFAX, INC.
State: VA
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 pursuant to 15 USC 1681b ( a ) ( 2 ) which states " ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I, THE CONSUMER, DID NOT authorize the credit bureau IN WRITING to furnish my credit report to the following accounts listed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
spoke to reprensative at this collection agency XXXX. last spoke with XXXX XXXX XXXX on XX/XX/XXXX. I have informed company that this debt is not mine, it was under a name AA, with whom I have no association nor do I know how they accessed my information whether it be ID or social security fraud/impersonation. I received a letter from XXXX XXXX stating that this should be erased from my file and accross the XXXX major credit reporting agencies. I have also reached out to XXXX XXXX ( last contact being today XX/XX/XXXX ) regarding this fraud and it still remains on my credit file negatively impacting my credit report and my ability to apply for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: CL Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt collection appeared on my credit report recently. This debt was from a utility company in Michigan. It appeared originally around XXXX. I disputed it with the utility company then and it was removed. Now 4-5 years later it reappeared thru a collection agency. I disputed it with them and they were going to provide a report to the utility company as I do not and have not lived in Michigan since XXXX. After speaking with XXXX I was advised to file credit fraud to prevent this fraudulent debt from being sold to another debt collector and reappearing on my report. The amount in {$4000.00}. I cant believe that a utility company can let someones bill accumulate that high without a disconnection of service. It sounds like they are trying to pass their mismanagement issues on to me. 
XXXX XXXX XXXX id # XXXX Amount {$4000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My family of 4 got XXXX Testing done by XXXX XXXX XXXX on XX/XX/XXXX. When I registered each of my family members, I put the insurance member for each person on the registration information. This was verified at the appointment. Unfortunately, the facility NEVER ran my insurance information. I called and asked about it after receiving an invoice and was told that they haven't had to chance to file a claim with the insurance company and will soon. After the 2nd invoice, I called them and my insurance provider who verified that no claims for XXXX testing has been on my insurance. After it was sent to collections, the collection company told me to call my insurance and put a claim for the testing. I did call my insurance company and was told that the provider needed to put a claim and not myself. I told the Collection Company ( XXXX XXXX XXXX ) that they needed to reach out to my insurance company and they also did not. Now I have FIVE ( 5 ) not four charges for {$170.00} on my credit report. I called and left messages with XXXX XXXX XXXX multiple times for the billing department and no one called me back. Yesterday ( XX/XX/XXXX ) I was informed that my insurance claim was denied for lack of service. I provided proof ( Attached ) that a month prior to the service and eight ( 8 ) months after the service EVERYONE else was putting claims and getting paid on my insurance proving that they NEVER filed a claim against my insurance as they stated. I informed the Collections Company AND XXXX XXXX XXXX that due to the Federal provisions, as long as you had insurance during the pandemic they would pay for the XXXX test ( attached with newspaper article confirming that testing is 100 % free with insurance ). I would like ALL FIVE ( 5 ) collection items to be removed from my credit report without ANY prejudice and damages to my report or myself immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Wolf River Development Company
State: HI
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
A few weeks ago, my checking account was compromised. I informed today cash and told the supervisor that I had to close my checking account and am in the process of securing a new account. I told her that once I was able to open a new account, I would contact them and resume my regular payments. The supervisor told me not to worry as my payment history up to this time was great and that she would notated my account. Today, I get an email stating that in 10 days that they are going to garnish my wages and that I owe over a XXXX dollars since XX/XX/XXXX. Not only was my account not notated as promised, but under NO CIRCUMSTANCES DO I GIVE PERMISSION FOR MY EMPLOYER TO BE CONTACTED AND MY WAGES BE GARNISHED!!, CONSIDER EVERYTHING REVOKED!! Again, once I'm able to get a new account, payments will resume at my regular rate!! Thank you for your assistance!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions 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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2019-12-04
Company: TCF NATIONAL BANK
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019 XX/XX/2019 XX/XX/2019 there was fraudulent XXXX  charges on my checking account by my debit card XXXX XXXX XXXX XXXX which was cancelled by the bank. A new debit card which was issued on XX/XX/2019 by mail card # XXXX XXXX XXXX XXXX which I had received on XX/XX/2019 with letter stating that there was a breech and TCF Bank issued new card which was also used a day later. The amount that were charged to my account on XX/XX/2019 and XX/XX/2019 were XXXX XXXX XXXX XXXX. I filed fraud complaints case # XXXX and case # XXXX. Icalled TCF Bank today XX/XX/2019 and they denied claims stating I had charged these amount through XXXX and I didn't and I would not be receiving my money back. Now I am negative {$530.00} Checking account # is XXXX Thank you for helping My name is XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX phone # XXXX I did call the XXXX XXXX  phone number that was given with charges and they will not take phone calls. The XXXX XXXX phone number was XXXX I am not able to print out my statement because they are changing there web at this time. They could only read it over phone to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief