BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-04
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting 8 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 3rd dispute letters to Equifax, XXXX XXXX XXXX since XX/XX/2020 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 2019-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
To whom it may concern, I'm writing this letter to request that the charged off XXXX XXXX Business Credit Card ( Account # XXXX ) be removed from my personal credit file based on the following : - Business credit is in fact separate from personal credit. Therefore, the two should not be in one file. 
- To the best of my knowledge, I've never been given an opportunity in writing to dispute the debt ( e.g. interest charges, other charges etc. ) nor that this business credit account would be appearing in my personal credit file. 
- On XX/XX/2016 I'd began living in XXXX, and was not in XXXX to receive any mail by US mail. My address at the time was XXXX XXXX XXXX XXXX XXXX  XXXX. I have attached documentation as proof. Since I wasn't there, there is no guarantee that I could have even gotten any more or that it wasn't intercepted by someone else like my ex-wife. 
- By the time I found out about this, it was certainly already too late. 
- Since that time, I have actively been working with XXXX XXXX to resolve the matter of this debt. The card had a high balance of approximately {$9800.00}. I have paid most of this debt to date, leaving a balance of just {$1400.00}.

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 non-monetary relief
Consumer complaint received 2018-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The CRA 's have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations.

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 2021-06-04
Company: Chime Financial Inc
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a chime account only because I was was forced or instructed to do so I was scared to say no and instead of asking for help I flowed along. This is clearly wrong a d now I see y. It started out with love communication on social media to draw me in. That was just one their tactics and it worked. Then they asked for XXXX XXXX having been down then road I had refused to give so e. Then then sent me XXXX pics asking me to set up a chime to start and hold a big inheritance. For they used there terms us. Keep in mind werre complete strangers not sure what there motive is

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I had been going back and forth with Wells Fargo home equity servicing, which had resulted in a notice of default being filed back in XX/XX/XXXX. when I received notice. i immediately contacted them to request for reinstatement and requested for a payment history and breakdowns due to the fact that it seems that they had the accounts mixed up and they would state that they have their research depart looking into my case and it took more than 2 months to provide the requested documents which turned out to still not be understandable breakdowns which didn't further break down my payments and what junk fees that were not disclosed. which after all of this. I was finally provided a statement in XXXX which is a completely revamped format which provides better breakdowns. but still does not break down charges from initial payments that I had made for the beginning of my repayment process in XX/XX/XXXX till XX/XX/XXXX. for a Fixed heloc. so now after being exhausted with the back and forth over 40+ calls I still think that they owe me for overpaying to reinstate my heloc.

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 2021-07-04
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I contacted XXXX XXXX and Equifax to dispute inaccuracies that I noticed in my credit report. The Credit Bureaus are reporting inaccurate information on my credit profile and today is XX/XX/2021 and I have yet to hear a decision from the credit bureaus. It has been well over 60 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Experian Information Solutions Inc.
State: VA
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:
To whom it may concern, I'm writing this letter to request that the charged off XXXX XXXX XXXX Credit Card ( Account # XXXX ) be removed from my personal credit file based on the following : - Business credit is in fact separate from personal credit. Therefore, the two should not be in one file. 
- To the best of my knowledge, I've never been given an opportunity in writing to dispute the debt ( e.g. interest charges, other charges etc. ) nor that this business credit account would be appearing in my personal credit file. 
- On XX/XX/2016 I'd began living in Virginia, and was not in GA to receive any mail by US mail. My address at the time was XXXX XXXX XXXX XXXX VA XXXX. I have attached documentation as proof. Since I wasn't there, there is no guarantee that I could have even gotten any more or that it wasn't intercepted by someone else like my ex-wife. 
- By the time I found out about this, it was certainly already too late. 
- Since that time, I have actively been working with XXXX XXXX to resolve the matter of this debt. The card had a high balance of approximately {$9800.00}. I have paid most of this debt to date, leaving a balance of just {$1400.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: DISCOVER BANK
State: MA
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 Discover ; I been trying to contact you guys because there is an account under my name and credit report that I'm unaware of and i need this delete and permanently removed from my credit. I never authorized nor signed nor give any consent to be added. I'm not liable for this account and i need this removed. delete now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20
Company: CAVALRY INVESTMENTS, LLC
State: MN
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 just recieved this letter from XXXX XXXX XXXX which is talking about an account with XXXX, XXXX now with Cavalry SPV I , LLC. I already informed XXXX of this account, that it was as a result of ID Theft and they stated to contact the collection agency it's " sold '' to and I have been unable to reach anyone there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Global Trust Management LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Called my wife about an alleged debt. Then called me. I called back and the woman asked if my wife was available I said no and said I'm her husband. She accepted that as fact without verification and went on to tell me about some debt incurred in XXXX of 2017. When I asked her for a verification of debt she told me I would need to do that in writing and that if I was trying to buy time it wouldn't work. Debt collectors are required by law to proffer a VOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by AMEX.

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 was recently pre approved for a kohls credit card then I got a letter in the mail stating " We regret that we are unable to open an account due to lack of existing credit information on your report based on report obsessed by XXXX either this company Koh'ls is lying  that they checked my credit report or they were given false information on me by XXXX XXXX I would simply like for this Inquire to be removed or be sent a report of information provided to Kohl 's . Application # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Mr. Cooper Group Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XX/XX/XXXX we filed chapter XXXX bankruptcy. We made 36 payments and completed those this spring. Discharge was XX/XX/XXXX. Nationstar/Mr Cooper now has reported late mortgage payments every month from XX/XX/XXXX thru XX/XX/XXXX. I paid XXXX a monthto a trustee who dispersed it. I dont think they can legally report late payments during that bankruptcy time, can they? The disbursement of those was totally out of my control. I am trying to buy a house and the loan was all set to go but the credit report cant show late payments during that timeframe to get financing. The bankruptcy attorney says she can not do anything to fix it. My report in XXXX did not show those but they pulled an updated one this week and those showed up. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I currently have a 5 year ARM mortgage and a HELOC with Santander Bank. I owe {$710000.00} on the mortgage and have accessed {$260000.00} of a $ XXXX HELOC. In XXXX of this year I applied to XXXX XXXX XXXX to get an interest only mortgage for {$980000.00} - this amount being the balance on my mortgage in addition to the HELOC balance. I was granted the interest only mortgage. I called Santander bank to tell them I was doing this which they told me was OK. I wanted to keep the HELOC open. I asked them for written approval to which they said 'It 's OK you are on a recorded line '. I relayed that information to XXXX  XXXX XXXX who subsequently started the mortgage subordination process. Five months later we are still awaiting approval at Santander. I have been in regular touch w XXXX who tell me that Santander are deliberately holding this up against my will and are not responding per guidelines. I have called the Santander subordination team on multiple occasions who tell me this is awaiting approval with the underwriter. Meanwhile it is likely XXXX XXXX XXXX will not be able to match the terms they previously granted me so I am officially lodging this complaint.

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 2018-05-10
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:
The CRA 's have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations.

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: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX/RESURGENT is a collection agency account no.XXXX appearing on my XXXX, XXXX and XXXX credit bureaus.the original creditor is XXXX.The XXXX  account had numerous unauthorized charges.After notice in conversation with XXXX the charges remained.Without resolution XXXX continued the fraudulent charges escalating the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: JPMORGAN CHASE & CO.
State: MO
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 tried to have these removed from my credit as I never spoke to this company nor authorized them to place a inquiry on my credit, I have sent them several letters and yet they still fail to remove them or show me proof of me asking or authorizing them to run my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: UHG, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
My mother received a voicemail on XX/XX/XXXX from XXXX XXXX at XXXX XXXX XXXX ( based in New York ). In the message was my information and a mention of a civil lawsuit, with charges of Malicious Intent to Defraud a Financial Institution, Theft, among other things surrounding a debt from XXXX. My mother brought this call to my attention. We both assumed it was a scam, but I wanted to follow up anyway, just in case. I had a plan to get enough information from them to verify that it was a scam and be done with it. 

On XX/XX/XXXX I called XXXX XXXX and he expressed concern about this debt, asking for my side of the story. He said that although my original loan was {$800.00}, interest and other charges brought my account up to $ XXXX.He mentioned that I would be being served if I did not pay a settlement of {$1800.00} today. Somehow he had a TON of details about this particular account of mine ( exact amounts, dates, my employer at the time of the account, etc ), enough to make me feel as though this attempt at taking my money was not a scam. I began to get upset and mentioned that I did not have that amount, but that I could possibly call a relative to help me. He asked for their name and phone number ( in case he needed to verify their information when they call ) and told me to call them. The call ended. 

While I was beginning to doubt my certainty that this was a scam, there were a ton of red flags still. So, now that I knew what account and company I was dealing with, I checked my credit monitoring service and then the company website itself ( XXXX ). I couldn't remember my login information with them, so I spoke with someone via live chat and explained that I wanted to make sure this debt collector was legitimate. The representative was extremely helpful and transparent and explained that they would never make threats of court or anything like that, and that this person was trying to scare me out of my money ( and way more than what I even owed ). They told me my loan had been sold off and gave me information for the actual company who now had my account. I was so thankful and glad I checked.

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 2021-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 called transunion and XXXX to inform them about unknown inquiries on both reports I was Ensured by a supervisor from both companies that the inquiries on my both reports would be removed in 72 hours its been two weeks I called to follow up I am now being told they dont know where I got that information from and its nothing they can do about this matter. I need these unknown fraud inquiries removed from report immediately from both reports.

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 2021-08-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2021 I accepted a pay to delete agreement from XXXXXXXX XXXX. I paid the requested amount for the account in full. All three credit bureaus refuse to delete the XXXX account from my credit report, they only updated. I have enclosed a copy of the letter from XXXX XXXXXXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I made a payment in full for my account balance and the manager stated he was waiting fees. They removed money from my checking  account on XX/XX/20 but as of XX/XX/20 I called and have been on hold 2 hours and transferred to 3 different people who are saying my account is flagged for fraud. They are giving the reason that I made a payment with a XXXX XXXX account then a XXXX credit union account the next time so that Im suspicious. I didnt know it was against the law to have a bank and credit union account. And if thats were I had the funds to pay and they got paid why is my card flagged for fraud 12 days after they took the money the believe is fraud? We are in the middle of a pandemic and they wont allow me to use my card after Ive paid my balance in full and they still havent removed the account fees that they promised when they took the payment. XXXX employee id # XXXX XXXX Should be fired and not have a job. She is going to be the cause of this matter escalating and costing the bank a lot more money in court for how Im being treated. I also never gave you authorization to save my payment info, only to take one time payments. You are misusing are storing information you have no right to collect and then using it against me when I done nothing wrong. Both XXXX XXXX and XXXX accounts are mine and thats not a valid issue to flag me for fraud or leave me on hold hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: Paypal Holdings, Inc
State: FL
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:
I have a Paypal Debit Mastercard, which is linked to may XXXX XXXX  Account. On about XX/XX/XXXX or XXXX, I noticed some transactions to XXXX which I did not authorize. 

I went to the paypal website, canceled the card. They automatically issued a replacement. I was not able to dispute the transactions which were pending, however, and they took that money from my XXXX account. 

Finally, after the transactions completed, I was able to dispute some of them. It took a while, but those got paid. However, instead of putting the money back into my XXXX account, which I expected, they gave it to me as a paypal balance. 

Then, more fraudulent transactions appeared, and again, no way to dispute them until they are completed. Then, they completed them, and used up the money that they had put in my paypal balance, again leaving me with no money to put back into XXXX, which even if I had tried to transfer it takes several days to do. 

Now I have XXXX in overdraft fees in chase. I have spent 20 days trying to contact Paypal, their call center is closed due to COVID19,  and so although I am willing to wait hours to chat with someone, each time I am told that they will help me and then they either send me a message telling me to dispute them and how to do this, and cut me off, or just cut me off

Company response to consumer: Closed with monetary relief