BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-27
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2019-10-31
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
Responded to an email offer from American Express offering XXXX Membership Rewards for each person I added to my account if they spend {$250.00} in first 3 months. 
I added my son and daughter and they each spent in excess of {$250.00} within the first 3 months of being added to the account. Contacted Amex and they claim that there was a link that should have been accessed at the time they were added. They did not dispute that the terms were met. I find this to be a deceptive practice. I contacted AMEX XXXX and they failed to resolve the issue. Communicated with representative for about one hour from XXXX hrs thru XXXX hrs. Stated they would open an investigation which will take 6-8 weeks to complete. 

This was the email offer I received on XX/XX/XXXX : Add your significant other, an employee or your child ( 13+ ) to your account, and give them access to all the little pleasures and unforgettable experiences that come with carrying an American Express Card XXXX Then, whenever they make an eligible purchase, from a trip to their favorite taco truck to a new set of trainers, youll earn the rewards. 
Earn XXXX Membership Rewards Points Add new Additional Card Members to your account through this email and earn XXXX Membership Rewards points after they spend {$250.00} in eligible purchases on their Card in their first 3 months of Card Membership ( limit XXXX Membership Rewards points. Offer ends XX/XX/XXXX. 

My son has spent {$360.00} and my daughter {$250.00} to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
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: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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 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 2023-03-30
Company: Experian Information Solutions Inc.
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: Report provided to employer without your written authorization

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/consumer on my Experian credit report. I recently retrieved my credit report and it showed 3 credit inquiries that I have no knowledge of ever authorizing. 

I am writing to dispute the following inquiries and asking for their removal from my credit report. 

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 2021-03-17
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
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:
This company filed an auto loan application without my knowledge or consent. Customer service refuses to remove the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Capio Partners, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My daughter is insured through my ex-husbands XXXX  insurance. I received a debt collection notice from Capio Partners for one of her XXXX  bills in the amount of {$270.00}. Previous to that, I had never received a XXXX  bill stating money was owed. I can assume since this is my ex-husbands XXXX  policy, and he is the responsible party for the insurance, he was receiving the bill and ignored them. I pulled my credit report to see if it was showing. Of the 3 credit reporting bureaus, XXXX  was the only one reporting it. I found it odd that only one credit bureau was reporting the collection. I filed a dispute for it to be removed from my credit report as it is not my insurance policy and I am not the guarantor of the insurance. Dispute came back that it does meet the Requirements of the Fair Credit Reporting Act, but Capio Partners came back and said the information I disputed was accurate. I would like to know how and were on the insurance information Capio Partners has on file, that I am the responsible party for this XXXX  bill, when I am not the policy holder or the guarantor of the insurance that the collection was filed under. I would like you to investigate and provide me with some answers. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: ZuntaFi Corp
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2023 amount XXXX account # XXXX I never agreed to this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions 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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the accounts from my report : XXXX XXXX XXXX XXXX Balance {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00}

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 2020-02-03
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:
XXXX, EQUIFAX, AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS : Accounts : XXXX XXXX Account number XXXX Date Opened - XX/XX/2016 Account Type - Personal Loan Balance - {$9300.00}. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX PLEASE REMOVE THE LISTED ACCOUNTS AND BLOCK FROM FROM CREDIT REPORT. ACCOUNTS ARE FRAUDULENT AND UNVERIFIABLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as to assume it has to be. I have not been able to get help from them for months but i just remembered I could file a report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
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 am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
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: Investigation took more than 30 days

Complaint:
I FILED A METHOD OF VERIFICATION DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A METHOD OF VERIFICATION TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: BANK OF THE WEST
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had items put through for payment, even when ny account was in negative. I have 5 overdraft fees at {$35.00} a piece. This is excessive and asinine. Due to the fees, I wont be able to pay rent and will be evicted

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 2018-05-14
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I ran my credit score through XXXX XXXX and stated that I had a credit card account open since XX/XX/2003 which is impossible. The credit card shows as " Citicards Cbna '' and I have called the company but stated that they do not see an open account. However, the credit card shows open and i believe its part of an identity theft. Would you please help? 

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried disputing the incorrect information on my credit file. To no avail, the action I have taken was rejected and I was given a demand. How can XXXX  say to me? To send them forms with proof this isn't my account. How is that possible? If this isn't my account, how would I have proof?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was forced to send letters again on XX/XX/21, in regards to a inaccurate, unverifiable, and unknown accounts on my credit report. 
I also resent the same letters the following day with my ID and SSN card on XX/XX/21. 
They should have received them by now and I think XXXX is just trying to stall for time b saying that they have not received my ID. Please do not waste time in deleting this inaccurate information. 
I have filed an FTC report because I have still not received the information that I asked for with the paperwork that I keep requesting. I even offered to pay some of these accounts off just to get them off of my credit even though they have never proven that these accounts are mine. You are only supposed to report information that is 100 % accurate, complete, and verifiable. This information is not accurate, they have not verified it, and it is reported incompletely. I feel like they are taking advantage of me and ignoring my disputes. I have went to the XXXX and have filed an FTC report. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. I have asked multiple times for an original application with my signature on it and have been ignored every time. Please remove these accounts immediately because it is hurting my ability with banking and receiving financial assistance. I really cant believe they are taking advantage of me like this. They are ruining my credit and my life. I have sent the FTC report to each bureau as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo home mortgage modified my loan anccepted payment and anfter told me the modification was not approved and did not provide me with options best suit it to my situation.sent my loan to foreclosure and denied any offer to settlement

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 2022-01-06
Company: EQUIFAX, INC.
State: IN
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
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:
I filed a complaint # XXXX re First National Bank of Omaha closing my account. 
They responded that I was told that they would close my account. 
That is not the entire story. 

In response it was never clearly stated by any employee that if I catch up and pay all past due payments current related to the Covid 19 problem, that my account could not be opened again or that I wouild have reapply for a new card.

There is no guarantee that I would be issued a new card especially with all the Covid related payment problem I had. 

The result is that I would have to continue to pay my monthly minimums without the benefit of any availalble credit. This is grossly unfair and demonstrates no good will. 

I have had similar closed account experience with other credit cards I have and they were always to able to reopen my accounts. 

They need to do the right thing because I did. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX has reported to my XXXX and XXXX credit reports a collection in the amount of {$20000.00}. There is no account number. I have never been contacted by this company by phone or mail. Please investigate this issue. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Was a victim of a job scam. I posted {$1200.00} I informed my bank of it but got rejected for receiving my money back and my account was closed for no reason. It officially closed on XX/XX/2021 but they blocked me from opening any other bank account with other banks. I shouldn't access my bank for over a month and went constantly to get the rest of my money out of the bank. Couldn't get any of my records because they shut down my account. 

I have a police report, fake check, fake job employment letter, and text messages. with all this information my bank still denied it was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am the homeowner who has been mistreated and misguided by my mortgage servicing company Wells Fargo. I previously submitted a formal complaint to CFPB and as the result of that and my legal motion in my foreclosure state ( NY ) supreme court, Wells Fargo agreed to review me again for a new loan modification application. I have had several false starts where Wells Fargo internally would start the process and before I even replied with the full set documents denied me twice. I believe that Wells Fargo has been acting with willful and international deceit and bad faith and I have been discriminated and prejudiced based on my nationality, my gender, and my economic status. Last year Wells Fargo decided to hide behind NPV decision, which they left unexplained to me. This year, while my financial income and expenses stayed the same, Wells Fargo decided to calculate my income at 40 % of the proven submitted and supported income, based on mine calculations. I have appealed the decision and Wells Fargo refused to explain their decision. Such blatant misconduct and lack of clear guidance from the mortgage servicer again highlights the mounting problems and that financial institution. Wells Fargo designed the process to misguide and mislead me and other 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 explanation
Consumer complaint received 2021-11-02
Company: Accurate Background
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
I've been waiting for a background check for a job with XXXX since XX/XX/2021 the company accurate background keeps telling me that it'll be done in 2 to 3 days XXXX keeps telling me I just need to wait well that doesn't pay the bills so I'd like to file a complaint against accurate background for taking so long to complete the background check

Company response to consumer: Closed with explanation