BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There are collections on my account for unauthorized accounts due to identity theft. This includes and account for XXXX in the amount of {$100.00}, an account with XXXX in the amount of {$1900.00}, and an account with XXXX with a {$0.00} balance.

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 2019-10-30
Company: WELLS FARGO & COMPANY
State: MI
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 would like to know why the 7year statue of limitations has not been adhered to by this company. This account is over 13 years old. I have hired XXXX XXXX on my behalf with no acceptable results. Wells Fargo fraudulently pushes up the date the account was closed and charged off I think in an attempt to supersede the statue? As you can see on my XXXX report, they keep falsely reporting history for recent years. 

I even asked them for a payment for removal just do be done with it and they refused. 

The account shows opened on my credit report XX/XX/XXXX for {$2300.00}. The account was closed and charged off in XX/XX/XXXX I believe. 

XXXX XXXX has been sending them letters trying to resolve the issue for almost two years!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX  AND TRANSUNION HAS SOME INACCURATE 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 explanation
Consumer complaint received 2018-04-06
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 recently disputed collections ( XX/XX/2018 ) with all three of the credit bureaus ( Experian, XXXX and XXXX  ). I've asked them to validate these collection debts and all of my disputes were updated as verified with no further information. There are three collections : XXXX XXXX for {$340.00}, XXXX XXXX for {$870.00} and XXXX XXXX and XXXX XXXX for {$460.00} ( I don't understand why 2 different debt collectors are able to collect ). I do not recall opening these accounts nor have I given permission for anyone to open these accounts. The credit bureaus have not validated these collections ( I did not sign any contracts or anything ) ; just verified and that does not prove how these collections have come about.

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 2020-05-26
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Item purchased at whats was supposed to be sears outlet store that belongs to sears at XXXX XXXX XXXX XXXXXXXX XXXX il XXXX to find out this is not sears. I used my sears credit card on this purchase but i never received the item. they could never deliver it when I set time to be at home, I have not received anything so i cancelled order. But I have paid my sear credit card for the item in full. I cant get my money back from the credit card or the store when they have not and did not deliver the item and i cancelled the order and paid for delivery.

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 2018-04-11
Company: BARCLAYS BANK DELAWARE
State: TX
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:
Barkleys bank Tinquiry XX/XX/2018 I have contacted all three credit bureaus and disputed this also I contacted company and disputed this inquiry

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 2018-04-11
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Medicredit XX/XX/2013 {$360.00} they have this account as a chargeoff/collections I have contacted this company six times and asked them to send me a contract or any documents showing I had services here and they have not. Also I have disputed this with all three 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 2020-11-29
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:
there are unauthorized inquiries late payments and account that don't belong to me that need to be investigated see XXXX  XX/XX/XXXX for complete letter to credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Walmart provides promotional programs with interest free as long as the amount is paid off in 6/12 months. I have 4 different promotional balances, two of which come due in 8 days. Balance on the older promotions are {$6.00} and {$10.00} on the other. My last payment did not pay these off totally so I added another {$50.00} payment. They would not allocate any of this {$50.00} to either older promotional purchases but only to the newest promotional purchase. I will have to pay all the promotional purchases off to pay off the oldest promotional purchases in order to keep the interest on those from being assessed to my account.

This is predatory servicing and lending. This is the only bank card that offers interest free promotions that will not allow you to allocate to each promotional balance specifically.

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 2019-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I closed my XXXX account in XX/XX/2015 because I moved out of the XXXX. The last bill was paid in full and I was NOT under contract. XXXX claims I owe them {$130.00} but they did not end the service when I requested. As I was living in XXXX and had a XXXX mobile plan, there is NO use on the account for the dates they claim I still had the service. 
My last payment to XXXX was on XX/XX/2015 for {$160.00}. That left my balance at XXXX. I cancelled the service on the same exact day and also moved to XXXX on that day. 

Here is the information for my XXXX account : account number ending 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 2019-02-22
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a XXXX card - Synchrony bank is the financial institution that is the holder of the payments - I have tried repeatedly to get a paper copy of my bill from Synchrony bank re : payments made to the XXXX   account. 

Just made a phone call to Synchrony bank to request a paper copy of the bill generated from their company to see what is owned on the XXXX account. Gave me the famous round about way all I owe is $ XXXX.and change. I asked the Customer Service rep to give me the FULL AMOUNT owed on this card. I paid off the Synchrony Bank account for XXXX in XX/XX/2019 - All I want is the bottom line of what I owe to this Bank and then be done with them - this bank is very difficult to deal with - the bank controls most of the finances connected with Clothing and furniture stores. All I want is the final balance and then b done. I have not ordered anything from XXXX for several months. I want to see for myself what I am being charged with.

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 2019-08-28
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Freedom Mortgage, my homeloan service provider made an unauthorized modification to my home loan mortgage by updating the address to an incorrect and unidentified mailing address that was different from the primary residence and property on the mortgage. Not a single notification was sent to me, the borrower at the residence address which was also the address of the property listed on the mortgage. 

Upon multiple calls I found out a loan modification was made by entering incorrect mailing address without borrowers permission. All written notices since were sent to the incorrect address causing the loan to default and start of foreclosure proceedings. The wrong address including notice of change of provider, statements of past due etc., causing severe distress and foreclosure proceedings.

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 2019-08-12
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Synchrony Networks C/o XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This company has fraudulently charged me with nonsense fees and late charges. 
I had been paying the installments every month regularly and have already paid more than the principal amount. 
After closing the account they still keep fraudulently charging the fees. 
This needs to be stopped.

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 monetary relief
Consumer complaint received 2020-06-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, XXXX, XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
To whom it may concern I want to raise this compliant to American Express Membership Reward program. I will need help to lift the freezing account so I can transfer my points. 
I were trying to transfer my American Express membership reward points to my two authorized user linked to my account ( employees, redeem points for Company travel. ) I was able to transfer points to first account. However, yesterday, XX/XX/2019 I tried to transfer second account, the website give me error. code # XXXX. Contact AMEX staff online chat, they ask me to call Membership reward program. Called the reward program and then they ask me to talk to Fraud department. This morning, XX/XX/2019, called fraud department and clear my identity, they send me back to Membership reward program. Staff in the reward program still have trouble to transfer my points. According to what he tell me, my account is under review. My account is currently freeze for any transfer points. It is very frustrated. All my points are ligament and through normal purchase. 

Thank you very much. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: TX
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 am one of the 143M Americans whose credit information was compromised by the recent Equifax data breach. I have worked many hours to try to understand and respond to the situation, and I am still not out of the woods. It appears the most complete level of protection for my information is a security freeze, which will cost {$10.00} in my state, Texas. Though I may get it free from Equifax, who has announced no-charge freezes and thaws for a few weeks, for those whose information has been accessed. ( I do n't know yet if this applies to me, whose information " may have been '' exposed in this breach, as expressed in their web tool in which I entered the last 6 digits of my SSN- how come they ca n't just say yes or no?? ). I would strongly suggest that ALL credit reporting agencies offer free freezes and thaws upon request from any customer ( with appropriate ID verification ). Forever. And that they notify us any time that anyone has requested our information. These agencies are making money on OUR information, and I do n't recall giving them the OK to share that. If that 's what they do, they should be totally accountable for the safety and privacy of that information. 
At this time I do not think anyone has committed any fraud against me, but the danger is clear. I believe any credit reporting agency, business operation or bank which uses people 's SSN 's and financial information must be held totally responsibly for any losses the person sustains.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Global Equity Finance, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We were looking at option to refinance, and Global Equity Finance through XXXX XXXX called me. It's funny that before even give me estimates, he already asked for personal documents which he reasoned is how they do it so he can quote me a good rate. 
I did submit them. I was given Loan Estimate twice. I said we are ok with the rate and we can proceed. 
Simultaneously I was dealing with another mortgage companies. he offered me a rate slightly higher than what Global Equity Finance offered. I could not pass offer of Global Equity, thus, i declined this.

We waited until after the memorial day weekend, and has been following up, only to find out that the person we were dealing with was terminated.

Because of the promise that was given to us, we missed other opportunities. We told them about the offer and showed to the new loan officer, and we were just told that we had a good offer, and then nothing! 
How would we know we are dealing with crooked loan officers? where is the check and balance there? How about the opportunities we lost!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received letter from Nationwide Credit , Inc. dated XX/XX/2020 alleging I owe {$690.00} to creditor XXXX XXXX and merchant/account type XXXX XXXX. This is not my debt. I have notified Nationwide Credit , Inc. this is not my debt and requested they mail me documents supporting this claim and to stop all all communication with me. I have also asked them to record that I dispute having any obligation for this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: AL
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/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
My husband passed away on XX/XX/2018, and I am a XXXXold widow who is still in mourning. I was told ( correctly ) by XXXX XXXX XXXX Master Card that, as an authorized user, I could neither use their card, nor would I be responsible for my late husband 's debts. As a result, I panicked because I had never been responsible for finances before, and I did not know which credit cards I could still use as a co-owner, and which I could not as only an authorized user. As a result, out of naivete, I did something XXXX and applied for too many new credit cards in my own name at once. This, of course, changed by credit rating which is still ( at last glance ) rated between good and very good in all three credit files. My complaint is with XXXX Bank and their " XXXX XXXX XXXX XXXX  '' Master Card. While I understand their concern, their response was both incompetent and consumer unfriendly. In my naive hunt for new credit cards, I opened the " XXXX XXXX XXXX XXXX '' Master Card, because I like XXXX XXXX XXXX XXXX XXXX  merchandise. I made a few very small purchases on that card -- under {$50.00} each -- and paid my bills on time and in full. Nevertheless, XXXX Bank cancelled my credit card about three days after my timely payment in full. The bank also showed some incompetence prior to this that I should have taken as a warning of bad things to come. After my application was accepted online, I received no additional response -- which was odd. Since I applied on a Sunday, I figured that my application had somehow not gone through, and I more or less forgot about it. Suddenly, a few weeks later, my card appeared in the mail. I activated it, but when I tried to use it for the first time, it would not go through. I called customer service, and a very nice and helpful woman said that my card had not been activated, and she activated it ( a second time ). That was all okay with me, and my order went through. I also placed a second order ( under {$50.00} ) with no problem. However, these initial irritations served as something of a harbinger of incompetence to come. I know that credit card issuers may legally cancel any account at any time that they wish, but I believe that I was treated very badly as a consumer, and that XXXX Bank is horribly incompetent.

Company response to consumer: Closed with explanation