BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-18
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: Account status incorrect

Complaint:
Transunion sent me an email of the update they did to my XXXX XXXX account after I filed a dispute because they had not closed the most recent loan that I refinanced and updated all. Now they are showing incorrect information on the old account they closed! They are showing me 30 days late in XXXX which is NOT correct! I refinanced the loan XX/XX/XXXX. The last payment XXXX took from my account for this loan which was refinanced was XX/XX/XXXX for {$740.00}. My payments were due on the XXXX and I made them on the due date or within the XXXX day grace period. So this was XXXX payment they took. My XXXX payment then fell due at the end of XXXX on the XXXX at which time I called to refinance because something came up and needed extra money. It took them several days to get back to me and to set up the refinance and we completed it on XX/XX/XXXX which is NOT 30 days past my due date of XX/XX/XXXX, but 16 days past my due date! I want this 30 day late removed from all three credit reports for this XXXX loan # XXXX which was the loan I just refinanced on XX/XX/XXXX to my new loan!! Why can't XXXX or Transunion be ACCURATE??? I also am sick and tired of trying XXXX times to file my dispute, finishing the whole process then XXXX online dispute system saying something went wrong try again, this is deliberate retaliation for my contacting your office and they need to be fined for it!!! I want them to also contact XXXX and XXXX to update and correct this too!!!! And they also had a wrong old address XXXX XXXX XXXX XXXX for me, remove it, and my fathers phone number XXXX listed as XXXX of my numbers, remove it, And my same name listed as an alias XXXX times, remove them, And my employer the State of IL XXXX XXXX XXXX XXXX listed XXXX times, remove the duplicates!!!!! I want all corrected and all updated with all bureaus then I want a clean paper copy of my full corrected reports mailed to me from all three credit reporting agencies MAILED, not emailed!!!!! XXXX, incompetent people, they should be fired!!!! Shut these credit reporting agencies DOWN they do nothing but XXXX up everyone 's personal information, allow it to get compromised which is why there is so much identity theft in this country and try to make people look bad financially, they have no use or purpose, no value whatsoever!!! Millions of people like myself are having hours of our time wasted on correcting their idiotic mistakes and the same goes for the finance companies, banks and businesses who are just as incompetent and can not report all correctly!!!! If I did my job the way they do I would be fired!!!

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 2020-06-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
FTC violations XXXX XXXX XXXX {$640.00} XXXX/XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6400.00} XXXX {$1400.00} XXXX XXXX Inquiries : XXXX XXXX XXXX   XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX  {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
FTC violations XXXX XXXX XXXX {$640.00} XXXX/XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6400.00} XXXX {$1400.00} XXXX XXXX Inquiries : XXXX XXXX XXXX   XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX  {$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 2021-11-11
Company: Alliant Capital Management LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/21 and XX/XX/21, I wrote cease and desist emails to Alliant Capital because I was receiving phone calls with detailed voicemails that disclosed existence of a debt. My family members were also receiving phone calls and voicemails, despite their names clearly being stated in the voicemails. I have a credit alert on my credit due to being a victim of released confidential information, and I never received any information regarding a debt. I am also aware I should receive notification of the debt prior to phone calls. In the voicemails, I am being threatened with future action or determination regarding the matter, both calls occurred after I emailed cease and desist letters to the company. I also alerted the Massachusetts Attorney General and nothing is being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I graduated in XXXX, with five loans from XXXX. The total amount borrowed when I graduated was {$18000.00}. As of today, after going through a rough patch, relying on deferments on forbearances, I owe {$32000.00}. This is after paying {$4400.00}, so Ive accrued {$18000.00} worth of interest and penalties. Thats almost as much as I borrowed initially. 

I need this loan to be more manageable. I thought I would eventually qualify for student loan forgiveness based on my public service of working in XXXX  for four years and XXXX  for three years ; however, based on how the loans are structured, the loan will not be forgiven. 

There should be some type of cap on the amount student loan servicers can charge for interest and penalties. The amount I've accrued is 95.9 % of the actual loan. Something needs to give because I know I'm not the only one with this heavy burden. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Financial closed my XXXX XXXX XXXX ( XXXX  Credit Card ) due to inactivty XX/XX/2019 without my consent.. The removal of the {$7500.00} available imapct has caused damage to me in two ways : 1 ) Lowering of my credit score due to the change in my credit usage ratio as a result of the loss off the {$7500.00} credit limit. 

2 ) Loss of an account that I will have to reapply for in the future which will incur another hard credit inquiry. 

I spoke with an " Credit AccountsManager '' and they informed me they would not reactivate the account and that I would have to apply again.

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 2019-09-16
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: Problem with personal statement of dispute

Complaint:
I've been sending dispute letters to get one account deleted. They keep saying the account has been verified and updated with every dispute. The last letter I sent was a letter of verification. I wanted to know who and what all was verified. I also ask for copies of documents or a contract. Copies of first and last payments. Names of person or persons verifying everything along with their and phone number and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: NC
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/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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: Problem with personal statement of dispute

Complaint:
Transunion reporting company has violated my rights under the FRCA rule for investigating, communicating results and method of verification making them in violation of reporting information that according to the FCRA must be verifiable with the original creditor and any investigation name date and method of verification should be forwarded to myself for further investigation if necessary. I have requested this be looked into three times that last was on XX/XX/2019 and supporting documentation was also sent with the same results, XXXX and XXXX has already removed XXXX XXXX from my credit with my supporting documents.

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 2019-06-30
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:
Equifax is reporting inaccurate, incomplete and unverifiable information. I have given them plenty of opportunities to fix the error but they allow their disputes to be completed by an automated machine and as a result i have suffered with inaccurate information on my credit profile for a very long time. This is a blatant disregard for the FCRA and the " reasonable '' investigation to be conducted by Equifax. This has likely cost me thousands of dollars in interest payments. 

I am requesting Equifax to complete an actual investigation and remove the following items from my credit profile : 1. " XXXX 's XXXX XXXX '' - Account opened XX/XX/2018, has a balance of {$200.00}. Original creditor listed as XXXX XXXX XXXX XXXX To date I have not been given proof of what this debt is nor of my agreement to pay. I have allowed Equifax more than 30 days to produce the information and they have failed to do so. As such the account is to be removed from my credit report by the FCRA. 

2. Ch XXXX Bankruptcy - Equifax cites the source of this information as XXXX. I have contacted XXXX and they have confirmed that Equifax has not contacted them to verify the information. They have also confirmed that they do not share this information with Equifax. As more than the time allowed has been provided, this public record is to be removed from my credit report by the FCRA. 

3. XXXX XXXX XXXX - Reporting a balance of {$5500.00} - I am not responsible for this account. XXXX has agreed to remove this account from the credit reporting agencies, yet Equifax continues to report this account. Please delete this account from my credit report. 

4. XXXX XXXX XXXX - Reporting a balance of {$390.00} - I am not responsible for this account. XXXX has agreed to remove this account from the credit reporting agencies, yet Equifax continues to report this account. Please delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
To Whom It may concern, There is inaccurate information on equifax and other credit reported the following address I have never been associated with == XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX I had called a while back for this to be removed and was told it would be. unsure as to why this in accurate information there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Capital One and XXXX has caused significant legal problems. I contacted them for money for my trouble in the amount of XXXX also money paid on fraudulent credit cards. 

Please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have contacted both the Finance company and the credit bureau about this issue on several occasions. After speaking with a representative at the XXXX XXXX XXXX XXXX she advised me to file a dispute which should fix the issue. However, teh fix has not been corrected. I have tried to contact them on several other different occasions only to get teh run around. 

I paid my payment on XX/XX/XXXX as indicated on my bank statements. The payment was due on XX/XX/XXXX. Therefore, was was never 30 days late on this payment. Their system posted the payment on XX/XX/XXXX which is not correct. I was advised that is may have been a system error based on the time that i logged in.

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 2021-07-19
Company: WELLS FARGO & COMPANY
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:
I received an offer from Wells Fargo via email on XX/XX/2021 which offered 10 % bonus rewards on my first purchase at a grocery store and first purchase at a gas station on or before XX/XX/2021. I have two credit cards with Wells Fargo and the offer was shown for both cards on the rewards website. I received the bonus rewards for the first qualifying purchases on each card but not the second purchases. I have contacted Wells Fargo multiple times, and also submitted a complaint through the better business bureau, the response I received led me to think that the complaint wasn't actually read because the transaction that I was referencing were not the transaction that they mentioned. I made a purchase at XXXX XXXX XXXX XXXX XXXX MO on XX/XX/2021 for {$130.00} using my Propel card which should have earned 1320 bonus points. I also made a purchase using my Cash Wise card at XXXX XXXX # XXXX XXXX MO {$220.00} on XX/XX/2021 which should have earned {$22.00} bonus cash back.

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 2019-05-15
Company: Resurgent Capital Services L.P.
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: Problem with personal statement of dispute

Complaint:
I have inaccurate information on all three of my credit reports ( XXXX, XXXX, and XXXX ) which I have disputed with LVNV LLC. I do not have a contract with LVNV LLC ( account number XXXX ) but yet they are reporting on my credit report. I wrote a letter and also disputed several times to XXXX, XXXX, and XXXX to send me proof of my original contract with LVNV LLC or to remove it from my credit file and I did not receive a signed contract proving I have this account with them. By law there are not to report any inaccurate information on my credit report, which in this case it is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: WELLS FARGO & COMPANY
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged a monthly service fee of {$14.00} even though I used my card 10 times the month of XX/XX/XXXX. I have uploaded the screenshots that prove Wells Fargo is stealing out of my account every month. You can clearly see that the card was used 11 times this month. And take note that this is still XX/XX/XXXX but the screenshots says Its already XX/XX/19. That is the undeniable truth that Wells Fargo is stealing out of my account under the guise of a monthly service fee. Wells Fargo does this to my account every month. Im tired of Wells Fargo stealing out of my account. Just letting you know that if I use my card 10 times a month I shouldnt be charged a service fee. Thats the problem. Even though I use my card 10 times a month to avoid the monthly service fee Wells Fargo still steals it out of my account regardless of if I used it 10 times or not.

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 2018-01-25
Company: John C. Heath, Attorney at Law, PLLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I placed a complaint yesterday though CFPB and now it has gotten even worse. The company I placed the complaint on has appointed a man named XXXX XXXX to my complaint. I have asked him respectfully to add my number to their internal DO NOT CALL list and to stop emailing me. He insist in not doing so until I give him ALL the numbers I 've been getting calls from. It is difficult to give him all the numbers I 've been called from when the cell phone they call me to is my work cell and I do n't save the numbers that call me. Please, make them leave me alone. Their continued calls and emails are give me XXXX XXXX and causing XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: AMERICAN EXPRESS COMPANY
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:
This is a response to a closed CFPB Complaint XXXX with American Express. XXXX XXXX for American Express Customer Advocate Services Team answered my complaint and provided letters and other documents. In a XX/XX/2021 letter from American Express " Based on your credit report, you are or have been past due with other creditors. '' American Express response is troubling due to the fact I have no past due accounts with creditors. My profession is XXXX XXXX XXXX and I am updated every day by XXXX and I have yet to receive an alert about a past due account. American Express claim is bogus and a blatant lie that was caught by me during the complaint process. Since American Express closure of my account I have been approved for a {$93000.00} car loan and {$20000.00} credit card. Being past due with creditors does not allow me this luxury. Shame on American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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:
Account # XXXX - XXXX XXXX XXXX 15 USC 1681 Section 602 A States i have the right to privacy 15 U.S.C 1681 Section 604 A Section XXXX It also states a consumer reporting agency can not furnish account without my instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Title loan
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation