BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-05
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2020 I wrote all three bureaus pertaining to a whole bunch of mess on my credit reports that I know is inaccurate and some of it I did not do and have no clue how it got there. The bureaus have ignored me on purpose because they do not want to investigate my troubles because they know this stuff is wrong. I want this stuff looked into right now and answered swiftly with all of those items deleted as they are not mine. They already screwed me with the XXXX  data breach and let my info get into the hands of some crooks and now they are just ignoring me. Its been over 60 days and I have yet to receive a response. These companies are unfairly taken advantage of me as a consumer and on top of that I am being injured financially in a very horrible way during Covid. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives reason for these items to be removed from my credit report. It has been over 60 days so they should be promptly removed. I demand these accounts be deleted immediately or I will file litigation for the stress you are continuing to cause me..

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation

within 30 days.XXXX 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 non-monetary relief
Consumer complaint received 2023-02-18
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 was going over my credit report back on XXXX XXXX and noticed that a company called XXXX XXXX XXXX XXXX was reporting on my credit report. I called the company 10 times but no one ever answered so I decided to reach out to Equifax, XXXX, and XXXX. I have sent all 4 companies certified mail return receipts stating that I was a victim of identity theft. I sent all 4 agencies a 6-page notarized identity theft affidavit with an FTC report and a Police report from the XXXX Police department here in California. I have sent them 5 different requests stating that this account has never been opened by me nor did I ever have a contract with XXXX XXXX XXXX XXXX. I sent the identity theft notification on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XXXX, Equifax, XXXX, and XXXX. I have included more than enough supporting documents to have this account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Scott Fetzer Financial Group Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Purchased a XXXX vacuum system billed through XXXX XXXX XXXX XXXX. 

I had missed a payment over a year ago and the company started attaching late fees to my account every month because I did not date my payment for the due date ( I had paid multiple payments BEFORE the required due date and in many case paid a few dollars more. ) I have all bank statements that show a payment every month. 

Every time I attempted to speak with customer service I was told there is nothing they could do to stop the late fee from becoming so high and continue to add fees even though I pay my monthly due amount. So essentially, I will NEVER pay this off. 

I offered to return the item and repeatedly asked to terminate the agreement and all requests made to UCFS were not granted due to original product contract. 

I continue to pay the monthly amount due per contract agreement and I'm STILL receiving calls regularly that state I need to get my account current to avoid further action but every time I ask to speak to a manager or supervisor, I am told there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Hawes Klein LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A collection company by the name of Portfolio recovery brought a alleged debt from XXXX bank this collection company is violating my rights by reporting this alleged debt as a new account that was opened in XX/XX/XXXX when this account was open in XX/XX/XXXX with the original creditor this is not legal the according to the Fair credit act a debt collector can not report old debt as new debt it is supposed to obtain its original date of delinquency

Company response to consumer: Untimely response
Consumer complaint received 2023-11-13
Company: CITIZENS FINANCIAL GROUP, INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I lived in the XXXX from XXXX to XXXX and while there I opened an account at XXXX XXXX. I kept some money on that account, in case I would return to the XXXX, however, after some time Citizens Bank acquired XXXX operations in the XXXX and I stopped being able to access my funds through any means, including internet banking. This was because I did not have an SSN on record, what was due to the fact that I am a foreign citizen. After contacting Citizens several times, they did not offer a means for me to access my account by online banking and did not allow me to move my funds through a wire transfer. The only option offered was to cash a check in XXXX, the country that I live in, which would in incur in heavy fees and taxes to be paid by me, without any compensation by the bank, which is refusing to allow me to access my own money. I asked for a formal description of what the bank is proposing, but the manager refused to provide it, as well as any transcript of our conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of XXXX XXXX. I found numerous accounts still on my credit report that were not open by me after this compliant was filed. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX ACCOUNT BALANCE : XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-03-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
After receiving a mail offer, on XX/XX/2021, I applied for a Chase Ink Business Card.

I'm the XXXX of XXXX XXXX that includes a commercial lease and residential lease which I own as a sole proprietor. I completed the information on the application and agreed to a credit pull. I already own a personal credit card from Chase.

I was denied the card because of the " business structure ''. I reached out to Chase to understand what that meant, since I properly report my XXXX XXXXncome and 1099-Misc on my tax returns and the card would be used for the residential and commercial property. The response was the same, business structure without any detailed explanation. If sole proprietorship is not eligible for such a card, then during the application process this should be disclosed so that there is no credit pull. 
I find that the offer and the application are misleading and deceiving, and at the end my credit was unnecessarily pulled. I suggest Chase revise the application process and clearly define eligibility criteria of which 'business ' is eligible for the card. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Experian Information Solutions 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:
I have previously disputed with XXXX, experian XXXX  XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 explanation
Consumer complaint received 2019-10-01
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: Information belongs to someone else

Complaint:
I've contacted you all before. I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. Police in my area have been notified, as well as, the FTC. These items still need removal : XXXX XXXX. XXXX XXXX. XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX. XXXX XXXX, XXXX, Chapter XXXX Bankruptcy. Also the following inquires : XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX  XXXX. EQUIFAX MTG, EQUIFAX MORTGAGE SERVI. EMS, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-12
Company: Central States Recovery, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
They call after hours past XXXX at night, they call 20 times a day or more. Constant all the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Experian Information Solutions Inc.
State: SC
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 called them and got confirmation that comments regarding my account were incorrect and should immediately be removed but they werent

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 2021-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 contacted TransUnion on Tuesday XX/XX/2021 starting at XXXX XXXX XXXX  regarding unauthorized inquires that have appeared on my credit file through the last 2 years ( XXXX ). Each representative that I spoke with and the supervisor XXXX XXXX XXXX were unwilling to help me.

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 2021-02-05
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wayfair/Commenity is again attempting to collect a debt of {$12.00} I do not owe and on a CLOSED account. Last year the same mistake in a XX/XX/202 statement for a balance of {$70.00} I did not owe and it was revered after a previous CFPB complaint. 

This needs to stop. The account needs to be CLOSED as i requested in XX/XX/2020. I do not owe a debt after paying off 3 payments of {$310.00} IN FULL as of XX/XX/2020. Their lack of a customer support line towards a dedicated dispute agent has yet again left me no way to communicate the issue with anymore within Wayfair/Commenity group.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm writing in hopes that Equifax can assist in reaching resolution in my multiple complaints. Ultimately, Equifax was never provided with consent from consumer, natural person, myself XXXX XXXX as outlined in 15 USC 1681b. Amongst several other violations, there is no legal authorization for Equifax to reflect this information. I understand that my information was included in the Equifax breach so at this time I have no confidence that any of the information on my report is being held to the standards at set forth by Federal law. 

Equifax please remove XXXX XXXX XXXX from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My name is XXXX XXXX. I made multiple payment to my Mastercard credit card owned by XXXX XXXX on XX/XX/18 for {$400.00}. And on XX/XX/18 paid another one for {$100.00}, on XX/XX/18 made a {$450.00} payment. The money was taken from my checking account and was posted on my Mastercard account permanently. It was posted that I have available credit of a {$1400.00}. When I went grocery shopping on XX/XX/18 for {$97.00} the Mastercard was declined. I called comenity bank to see what is going on. A representative answered me that my account was blocked because you made a multiple payment and it will take a 7 business days to be unlocked. I explained to her but the money was cleared. Was taking aout of my checking account and was posted in my Mastercard as cleared. She said sorry can't help you more. I requested to talk to a comenity bank supervisor or a manager then the representative put me on hold for 30 minutes and no one picked up again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
My debit card was used to fraudulently transfer {$250.00} from my checking account to XXXX XXXX in the XXXX. The fraudster had my address, birthday, email address and card number. They did not have my correct phone number. I have never had a MoneyGram account. Yet, they were able to open a MoneyGram account in my name and transfer the {$250.00} to the individual " XXXX XXXX. '' I contacted MoneyGram within 20 minutes of being notified by email of the transfer and they refused to refund or cancel the transaction. They instead referred me to local authorities. I have contacted my bank and they are conducting a fraud investigation. I have cancelled the card that was used. 

How is possible for a US based company like MoneyGram to enable such fraud by inadequately verifying their sources and not be liable for it? When I rent a movie on XXXX  I have to verify a text to my known phone number, yet someone from the XXXX is able to pull XXXX out of someone else 's checking account?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The Synchrony Bank XXXX XXXX XXXX XXXXXXXX credit card has on their web site ( XXXX ) and I have received fliers in the mail stating that they have wireless cellular phone damage protection. When I tried to file a complaint through XXXX as stated on the web site, XXXX told me that I didn't have the benefit and that XXXX was probably doing a " bait and switch '' and just lying to me. They suggested that I take it up with XXXX. 

I then called XXXX. Four different operators and one supervisor stated that they had never heard of the benefit. I pointed out that it was on their web site and that I could send them a screen shot. The supervisor ( XXXX XXXX suggested that I call XXXX. I explained that I had already done that. She then called them for me with me on the line. After 35 minutes she just hung up on me. 

I then called back and the next operator said that she knew all about the benefit and that she thought I should have it. She didn't understand why XXXX would do that. 

I'm very frustrated that XXXX is advertising a benefit on their web site and then denying it. They are clearly promising benefits that they have no intention of delivering on.

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 2018-08-12
Company: Experian Information Solutions 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:
XXXX XXXX states on my credit report that I owe on an account for XXXX {$450.00}, I do not owe this amount I paid my final bill with XXXX I will like to receive a bill review of all payments that were credited to my account along with all the monthly bills.

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 2022-02-08
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX / XXXX / {$7100.00} XXXX XXXX / XXXX / {$0.00} XXXX XXXX / XXXX / {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2020-04-27
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested to be put on the COVID relief with wells fargo in case I could not make a mortgage payment during this pandemic. I have already filed another complaint against wells fargo about the way they are handling payment deferrals. I tried to make a payment today for my mortgage and was unable to make it online it said I did not have an account available to make a payment to. When I spoke to Wells Fargo they told me because I had applied for COVID relief I was no longer able to make payments online and had to either call mail in the payment or go to the bank. Their message on the phone says to make a payment online but I am unable. It is inappropriate that Wells Fargo is taking away methods of making a payment just because I applied for the COVID relief benefit. This is making it in their favor to accumulate interested and making it harder for the consumer

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 2023-02-18
Company: Experian Information Solutions 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 was going over my credit report back on XXXX XXXX and noticed that a company called XXXX XXXX XXXX XXXX XXXX reporting on my credit report. I called the company XXXX times but no one ever answered so I decided to reach out to XXXX, Experian, and XXXX. I have sent all 4 companies certified mail return receipts stating that I was a victim of identity theft. I sent all 4 agencies a 6-page notarized identity theft affidavit with an FTC report and a Police report from the XXXX Police department here in California. I have sent them 5 different requests stating that this account has never been opened by me nor did I ever have a contract with XXXX XXXX XXXX XXXX. I sent the identity theft notification on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XXXX, XXXX, Experian, and XXXX. I have included more than enough supporting documents to have this account removed.

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