BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I've had a Target Red Card Credit Card for 12 years. Initially the Credit Limit was somewhere around {$2000.00}. For a long period of time I was continually carrying a balance on this card month after month and at times coming close to maxing out my limit. Even during this time, I never made a late payment. At some point when I was carrying a balance on the card my credit limit was increased to {$6200.00} without my knowledge. Eventually I paid down the credit card and didn't use it as frequently as I previously did. In XXXX of 2020 Target lowered my credit limit from {$6200.00} down to {$2000.00} again without my knowledge. When I found out, due to my credit score being lowered because the ratio of used credit to available credit had changed. I called Target 's credit card services who told me it was lowered due to inactivity and they would look into correcting the limit. Since that first call I've had to call back 2 more times and during the times I was questioned about my income level, which has only gone up over the last 10 years and told that the computers review these cases so they could take months to change and basically told that there was nothing they could do to fix it. If this credit card wasn't the oldest thing being reported on my Credit Report and there wouldn't be a negative impact to my credit report, I would've closed it already. I feel like extending someone's credit when they're carrying a max balance and lowering it when they're not using the card is basically predatory lending. I don't absolutely need the extended balance on this card but the principal of the situation and the lack of response from Target is what really upsets me in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I've received multiple written notices and calls from Sequium Asset Solutions regarding a {$600.00} debt to XXXX XXXX that I don't owe. I have contacted XXXX XXXX to confirm that they don't have any collections against me and they do not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: Radius Global Solutions LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This bill has been beid to the original creditor at XX/XX/XXXX and I Remove it from my credit so many times and he put it back with a different name and different company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: NCC Business Services, 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, XXXX XXXX have made several attempts with NCC Business services to have a collection account removed from my credit report. They total me the original creditor has to request it removed. In doing my investigation the original co XXXX XXXX never reported to the credit bureau or NCC. The issue is that the account was for an apartment and the account was then added or another person to the account for they were the actual resident. The judgement on XX/XX/2016 made by the judge was granted against the other party and not me. I have sent this company several request asking for them to remove this from my credit report. I even sent them the court disposition, I am getting no assistance in this matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX - reporting inaccurate information and has been of no help. 
NCC Business Services XXXX, Fl -not doing an indebt investigation - regardless of having the court disposition

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
This account was not originally disputed, but it is no longer valid. It has been paid in full since XXXX and has had a XXXX balance ever since. I have disputed this report on numerous occasions by phone and in writing, which should not be reason to have it remain on my credit reports. Written request from XX/XX/XXXX and XX/XX/XXXX, through this year have been ignored. I can not get anyone to respond and there has been no resolution. 

I am being penalized on my mortgage loan and need immediate action from this lender by removal of this long since paid off account from all three reporting agencies.

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 2018-09-16
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: Personal information incorrect

Complaint:
Hi. I have contacted XXXX, XXXX and Experian several times asking them to update my address to XXXX XXXXXXXX XXXX XXXX # XXXX XXXX, Florida XXXX because all other addresses that are listed are incorrect. They are all still showing incorrect information on my credit 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 non-monetary relief
Consumer complaint received 2018-03-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
In trying to set up a new roommate, I was sent a Cashiers Check for {$2900.00}. Only part was supposed to be for rent, the remaining was to help set up a car for the college student coming to live in the room. I deposited the check on XX/XX/XXXX, waited until the XX/XX/XXXX to withdraw cash to send for the car payment, and then waited another day to send the money for the supposed car payment, and then another day for the second half of the payment. After {$2000.00} was sent for the car, the check, even though it is a cashiers check, was bounced the next evening. So now I am out {$2000.00} because Wells Fargo allowed the apparently fraudulent check to be cashed and make the funds available for multiple days. When I called them to deal with this issue, they refused to compensate the fraud even though it was them that allowed a supposedly secure check to process and then bounce. They will not own up to their fault in this fraud.

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 2019-04-23
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I HAVE REQUESTED FOR THE FRAUD ALERT ON MY CREDIT REPORT TO BE REMOVED BUT LOOKING AT MY PROFILE IT STILL SHOWS I HAVE A FRAUD ALERT ON MY REPORT AND IT'S MAKING APPLICATION DIFFICULT FOR ME. I NEED THE FRAUD ALERT REMOVED FROM MY REPORT ASAP. AND I HAVE ALSO REQUESTED FOR MY CURRENT ADDRESS TO BE UPDATE TO XXXX XXXX XXXX   XXXX IN XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I want you to please get rid of this information as soon as possible, I am not related to Chapter XXXX Bankruptcy XXXX and notify me when you do this so I can go ahead and apply for the things I have to apply for.

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 2019-04-23
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 contacted the credit bureau and companies reporting. I have never received any information. it's been more than 30 days. These accounts are inaccurate and i have no knowledge or obligation. Accounts appear to be fraud related.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: GREAT LAKES
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX promised me in 2008 that I will secure a career and 90 % + will secure a job placement in the first 6 months. The loans would be a small part to pay compared to the big outcome.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
After having been a Bank of America customer with an opened checking account for years, though it is not my main checking account or one that ever has a lot of money in it at any time, I suddenly received an email that there will be a monthly {$12.00} fee, that I can only avoid by using Bank of America products I do not have, do not want, and do not need. 

Here is the sudden email I received on XX/XX/XXXX : " A $ 12 monthly maintenance fee will apply to your Core Checking account beginning with your statement cycle that starts on or after XX/XX/XXXX. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
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: Information belongs to someone else

Complaint:
I contacted the credit bureau and companies reporting. I have never received any information. it's been more than 30 days. These accounts are inaccurate and i have no knowledge or obligation. Accounts appear to be fraud related.

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 2018-09-16
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo is an awful mortgage company thats seeking to force my husband and I to sell our home in a short sale or lose it in foreclosure. Our mortgage has ballooned from {$3500.00} to {$6200.00}, which has made our payment unaffordable. Before the ballooning of the mortgage ( 10 years ) we were never late. Wells Fargo has constantly denied our modification because our income does not meet the qualifications, yet we earn more now than when we purchased our home in 2005. 
Through this process we have come to believe that something fraudulent occurred during the purchase period that we had no knowledge or understanding about. Wells Fargo was not our mortgage company at this time, our mortgage was sold to this company. 
Wells Fargo has been allowed to perform plentiful unlawful activity to consumers. If we in any shape, form, or fashion performed in the manner this company has we would be jailed. 
This situation is causing such emotional hardship on our entire family. We are pleading for help to save our home.

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 2019-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I HAVE REQUESTED FOR THE FRAUD ALERT ON MY CREDIT REPORT TO BE REMOVED BUT LOOKING AT MY PROFILE IT STILL SHOWS I HAVE A FRAUD ALERT ON MY REPORT AND IT'S MAKING APPLICATION DIFFICULT FOR ME. I NEED THE FRAUD ALERT REMOVED FROM MY REPORT ASAP. AND I HAVE ALSO REQUESTED FOR MY CURRENT ADDRESS TO BE UPDATE TO XXXX XXXX XXXX   XXXX IN 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 2018-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
REF : ACCT # XXXX On XX/XX/2018 I processed my first Payment on a used truck in the amount of {$520.00} because the bill pay payment I had set up through my credit union did not process and I did not want a failed payment on my record. On XX/XX/2018 Bank of America processed an additional payment of {$520.00} causing an overdraft ti my account. I am a Single parent and a 100 % XXXX Veteran and unemployed. I do not have the means to make double payments and this additional payment placed my and my daughters existence in jeopardy. When I became aware of the double payment on XX/XX/2018 I notified the auto loan department and requested they reverse the unauthorized additional payment. I was told by the original person I talked to in that department that I needed the Payment reversed and returned to my credit union by ACH withdrawal as they had taken it as it had over drafted my account and left me with a ZERO balance and was told that a check would be mailed and he rudely hung up on me. I called back on XX/XX/2018 and spoke to a lady named XXXX of XXXX. she advised my credit union had to verify that the account was overdrawn and that they would not refund the money. I received the letter she requested from my credit union and  sent it immediately by email. She promised that she would expedite the payment upon receipt of the letter. My records indicate she received the letter by email within 30 minutes. After payment was not received I called Bank of America back on XXXX XXXX and was told the check was mailed from Delaware on was on its way. I was also told that they were waiting on verification from my credit union but the check had been mailed, I explained that I had sent it to XXXX by email and it was received. I called back on XX/XX/2018 and told my check would be mailed on Monday XX/XX/2018 from Florida. Florida is where our mail distribution center is located and usually mail received there is processed and delivered next day. XX/XX/2018 I again called Bank of America and was told my checked was mailed on XXXX XXXX from XXXX, Florida our mail distribution center. As of today XX/XX/2018 I have not received the payment mail is delivered next day after receipt at our distribution center in XXXX, Florida. Bank of America is not being truthful and has deliberately holding my much needed money.

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 2019-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
XXXX fied XX/XX/XXXX. CApital one still has not addressed. The credit bureaus are still reporting information wrong on my report for multiple accounts from cApital one. I asked for a full detailed method of verification report. Capital one has done nothing prior. I filed the complaint with your bureau XX/XX/19 and still Capital one has done nothing. If they are going to report negatively they NEED to send the method of verification required by law. They are refusing to do so or even answer you. This is unacceptable and a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My credit profile contains an inaccurate account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
- I received a credit card from XXXX Bank on XX/XX/2018 which I never applied. 
- I did not activate this card - On XX/XX/2018, I got an email from XXXX asking me to activate the card. 
- Upon looking up my emails, without my knowledge, someone has registered at XXXX website using my email on XX/XX/2018. 
- On XX/XX/2018, I received a call from the bank regarding verifying a transaction and I called back the bank using the number mentioned in the call. I found that a credit card application was made on XX/XX/2018. I requested the bank to cancel this application and the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX hard inquiries on my Transunion credit report that I did not authorize. First from XXXX on XX/XX/XXXX. The second from XXXX on XX/XX/XXXX. Third from XXXX on XX/XX/XXXX. The fourth is also from XXXX on the date of XX/XX/XXXX. I did not authorize these inquiries and do not know what they would be for. I have sent letters to these companies to get them removed but have gotten no response.

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 2018-05-01
Company: EQUIFAX, INC.
State: CO
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:
On XX/XX/XXXX an Inquiry appeared on my XXXX  XXXX  an Equifax credit report which I disputed right away after receiving an alert from my XXXX Credit Monitoring service. It was from XXXX, I do not know what this is and I disputed it right away on XX/XX/XXXX with all three credit bureaus. XXXX  and XXXX  promptly removed the Inquiry but for some reason Equifax did not! It has been removed frrom XXXX and XXXX 2 days later but Equifax for some reason does not wish to remove it. I made a report and attached it but still appears on my credit which lowered my score by 12 points on Equifax only. I do not know what this Company is at first I was told it was XXXX XXXX so I called them and THEY HAVE NO RECORD OF THIS. Please remove this inquiry immediately, I did not and will not apply and have no knowledge of how this happend. At the time I had a freeze on my credit because I was party of the data leak. Remove the inquiry from XXXX from XX/XX/XXXX its not mine and should not have even been allowed to appear since my Credit Reports are locked!!! Thank you please help me with Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My Private Education Loan provider, XXXX XXXX XXXX, received payment in full from the assignment of XXXX XXXX XXXX XXXX during enrollment. XXXX XXXX XXXX and XXXX XXXX practice was to fund educational classes with private loan funds and apply student approved Financial Aid to cure outstanding educational balance. All Federal Aid funds disbursed to College was applied to any outstanding balances leaving a XXXX loan balance and should be reported correctly to all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
paypal steal my money, They took the money out of my balance without authorization and notice because I had violated Acceptable Use Policy violation.It 's ridiculous.For this reason they have frozen my funds for 180 days.During this period, the money was not refunded due to buyer 's refund, This is enough to prove that there is no risk when trading.But they still took my money.What right do they have to take my money? PayPal is just a method of payment, They stole my money for some invented reason without any damage to the interests of the buyers and sellers. They are robbing me

Company response to consumer: Closed with explanation