BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history. and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I got an identity theft report and police contact in my city. I don't understand what's going on but these items are not mine and the all need to be deleted from my credit report Chapter XXXX Bankruptcy. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX { XXXX. XXXX. XXXX. I see some inquries on there as well that I dent know about A XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX, XXXX. XXXX  XXXX, XXXX   XXXX. XXXX XXXX XXXX XXXX  AND 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 2018-12-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have a total title loan with XXXX XXXX that was made fraudulently and despite presented evidence they won't take it off my report

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 2020-10-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I went to Sam 's Club in XXXX CA XXXX XXXX XXXX XXXX, on Thursday XX/XX/2020 to purchase an item. I already have a Sam 's Club Plus credit card. I was approached by a representative and was asked if I was interested in upgrading my credit card. I had informed her that I was not interested but we continued to speak. I informed her that I was not interested in opening a new account she replied that it was only an upgrade to a Mastercard. I was very specific with her and told her several times that I did not want a new account that I only wanted the upgrade. If it was a new account then I did not want it and I was not interested. She kept on informing me that it was just an upgrade. I asked her what would happen to the current balance that I have on my Plus credit card. She informed me that it would fall over to the new Mastercard. I just received a notification email from XXXX  that a new account was opened. I went in to check and it's the new Mastercard account. I do not believe the blame should be on the bank or on Mastercard. I am very upset because the representative mislead me and straight out lied to me several times. I now have a new account that I did not want.

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 2020-06-27
Company: Experian Information Solutions 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:
this process took more than 30 days on XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, XXXX, Experian. 

I did not hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these people yet

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 2021-04-23
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I've been a customer of American Express since XXXX. The problem I encountered was with the autopay system. I have always used autopay and month-over-month nothing had changed with my autopay settings, yet XX/XX/XXXX I was charged a late fee and interest for a processing issue American Express had with my auto-payment. Again, the account my auto-payment had been setup with did not change, there were not insufficient funds, and actually looking at my transaction history, the auto-payment was debited on from my checking account when the payment was due on XX/XX/XXXX. 

On the American Express website, it shows that the payment had been processing since XX/XX/XXXX ( and it still shows being processed ) but American Express didn't flinch at the chance of slapping me with a late fee and interest even though their systems were to blame. 

I've been using autopay for years now and have never had this issue. Multiple customer service representatives calmed my nerves by telling me this never happens or rarely happens but it has me hesitant to trust their autopay feature or I might have to spend another hour of my time trying to remedy the system bug I had to deal with. 

Additional Note : I was on chat for so long that I was logged that I got logged off and when I logged back on to reconnect with the customer service representative I was working with, chat failed to load which forced me to call in and re-explain the issue I was having.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-16
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:
I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company.

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 2021-03-05
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:
Account NameXXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedXXXX XXXXXXXX Account NameXXXX XXXX XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX  StatusCollection account. {$1800.00} past due as of XX/XX/XXXX. 
Status UpdatedJan XXXX XXXX XXXX XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX  StatusCollection account. {$2300.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX names are not mine, FCRA violation XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY all the above are incorrect, CPRA violation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: First Financial of Columbia, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have a personal loan with XXXX XXXX XXXX XXXX SC at XXXX XXXX XXXX XXXX. I have a balance of XXXX tha 's due. I Recently stop paying on the loan because I was being harassed. They would call me at work after I would tell them I could not have personal calls at work. They would call from there personal cell phones and block the number. The harassment got so bad that they would show up at my job and act as if they are a customer just to get me to come out and talk, and this has happen at least 4 time with them coming to my job. When they came to the job I would say, If i lose my job because you all keep coming up here then how would you all get paid. Me saying that did not help. It GOT SO BAD I WOULD HAVE BUSINESS CARDS STUCK ON MY DOOR ALONG WITH TONES OF MESSAGE. I recently changed my number because of the harassment.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: EQUIFAX, INC.
State: NV
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 showing on credit filed ftc they keep calling me have them quit XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XXXX XXXX, XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$8400.00} Balance Updated XX/XX/XXXX Credit Limit {$7200.00} XXXX/XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Mortgage reporters Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Personal loan companies Contact Information XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX inquiries XXXX XXXX XXXX - XXXX  Date of Report : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Credit unions Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX   XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXXXXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Student loans Contact Information XXXX XXXX XXXX XXXX XXXX, DE XXXX filed ftc 90 days ago

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: EQUIFAX, INC.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice on my credit report that is not mine for the amount of {$480.00}. I kindly called the company to advise this isnt mine and that I need some type of proof of this bill. The company advised me they would send me the right documents to prove this is my bill. I received a letter with all different types of dates and balances that dates back from all the way to 2015. I have contacted all 3 credit agencies ( XXXX, XXXX, Equifax ) and disputed this charge. It cant back verified with NO PROOF a week later! which is a violation of my rights .This is nothing that shows I owe these bills. Due to this not being the correct documentation to send showing proof of collection I am requesting that this medical bill account number XXXX be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Riverwalk Financial Corporation
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is an account on my credit report that is fraudulent. I have never had an account with XXXX XXXX. This account is a result of fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed my accounts ( all of them ) with Bank of America ( BOA ) on XXXX XX/XX/XXXX due to constant degrading service. In addition to my checking/savings accounts, I opened a safety deposit box and BOA required me to give them a {$25.00} key deposit which would be refunded when the box was closed if both keys were returned. As of today XXXX XX/XX/XXXX I still have not received my {$25.00} deposit back. I provided the local branch my deposit slip showing I gave them a deposit when I began banking with BOA on XX/XX/XXXX. When I closed my account both keys were returned. My deposit slip clearly shows " Key deposit payment {$25.00}. The branch manager XXXX XXXX tells me she has asked for the deposit to be returned to me on the day I closed my accounts -- - XX/XX/XXXX, then again on XX/XX/XXXX, when I stopped in to check on my deposit and again today XXXX XXXX. Despite her XXXX attempts, I still have not received my deposit. I'm tired of waiting. Poor service from BOA is why I left the bank in the first place. XXXX XXXX today told me that she would call me on XXXX XXXX with a resolution to this situation, however in light of the past experiences, I don't hold out much hope. Hopefully you can contact someone with Bank of America and get some results. 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 monetary relief
Consumer complaint received 2020-06-27
Company: The Outsource Group, Inc
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My husband XXXX sent a letter to the company on XX/XX/2020 with a check and letter detailing what accounts the payment of {$100.00} was to be used on. It also included a request for NO CALLS for the cell phones for me and my wife. 
To this date ( XX/XX/2020 ), the check has not been cashed and the calls are continuing. The address to which the letter was sent was verified as correct.

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 2018-02-24
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: Investigation took more than 30 days

Complaint:
XXXX  XXXX XXXX card opened on XX/XX/2015 is with a credit of XXXX keeps showing up on my transunion in my age of credit. Transunion said they would remove it as it so it does not show up in my age of credit. This card is currently still showing up in my age of credit. 

I was told that this would be removed from my age of credit as soon as possible.

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 2018-06-14
Company: NATIONSTAR MORTGAGE LLC
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: Account status incorrect

Complaint:
My current mortgage company " Mr. Cooper " reported me as being " serious delinquency '' during the months that the President Declared 6 months Forbearance for Texans who were affected by a Disaster - Hurricane Harvey. So no reporting should have been made from XX/XX/XXXX through XX/XX/XXXX. They reported me twice XX/XX/XXXX & XX/XX/XXXX.

I have tried multiple times to review my account with them and have not received any help as they have seriously messed up my escrow account. It has taken over a year to try and get it straightened and still not corrected which is creating me being partially late on a payment. I was given personal managers names / emails / phone numbers with no reply by phone or email from them in trying to resolve my account. 

I am trying to sell / get approved for a new purchase but I am being denied due to the reporting. The new company I am working with suggested that I make this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: AES/PHEAA
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 was notified in XX/XX/2019 from my XXXX credit monitoring that there was a late payment marker on my Credit Report. I called myfedloan immediately to see what happened as I have not had a late payment in the 10 years I have had the loan. They stated on the phone in XX/XX/XXXX they had my wrong address even though I had all of my mail forwarded to a new address as I have done that with them before. They also said for some reason there was an error they received when also trying to send me emails and acknowledged there was an error in their system. They said even though it was an error in their system, it doesn't allow them to remove the incorrect late payment due to their error because the system is old and doesn't recognize that as a valid reason. They prompted me to file a dispute with their team and I did, and it was denied they then told me to reopen the dispute and provide all of this documentation which I did and they still denied it. I am concerned that they are able to ruin someones credit, and career by making this kind of mistake and wont take any steps to course correct their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have had my credit card for years and have a great payment history with my XXXX XXXX/commenity account and there is nothing being reported towards payments or credit line with this card. It was on my report for years and for the last 5 or 6 months it doesnt appear on any credit report ive spoke to credit card company and all credit bureaus and noone seems to know why or how to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Experian Information Solutions Inc.
State: CA
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:
There are 4 accts on credit report that are not mine and only Experian and XXXX  are reporting this. I have sent them an affidavit I have mailed them a ftc and filed for Identity theft and this has been for two years and nothing is moving nothing is being done I need to know whats going on this is affecting my credit and I should not be responsible for someone elses cards and someone elses theft. Please help. 

XXXX XXXX - Acct # XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX Acct # XXXX {$490.00} XXXX - Acct # XXXXAmt {$330.00} XXXX XXXX XXXX acct # XXXXAmt {$500.00}

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 2018-06-12
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Called BBVA customer service on XX/XX/2018 to ensure the payment I processed on their website was going to process. The CS Rep advised it was not scheduled, so I scheduled it again. She confirmed it was now ready to process. XX/XX/2018, 2 payments in the amount of {$5900.00} processed from my personal checking account. Called BBVA to get the money refunded, they don't make ACH back to outside accounts. I was told there is no supervisor on the floor. I call back the next person said he would transfer me to a supervisor. Supervisor advised 7 days to refund. No way to refund via ACH. Then he wouldn't let me speak to the next level of supervisor. The bank is in XXXX, which I didn't know. Their website is difficult to follow and they have horrible customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-20
Company: WorldRemit Corp.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I made a international transfer using WorldRemit application. I sent XXXX dollars using my XXXX XXXX Account ( XXXXXXXX XXXX ). The app charged me XXXX dollars for the transfer. The transfer was supposed to be directed to my debit card account in the XXXX XXXX with XXXX XXXXXXXX XXXX. However, the money never got to my account. It has been more thank 2 months, I have called WoldRemit and all they keep telling me is that they working on it. Sometimes I receive email from them saying that the transaction was paid off, and that they case would be close. Then, I proceed to call them and they tell me they working on it. Also, they said that there is discrepancy by one number and the bank account that I provided with the statement. However, I have used WorldRemit before and my info/contact is saved. All I had to do was select the amount that I wanted to send and picked the account that has already been saved and used before. They sent me proof of payment. However, XXXX tells me that they never got the funds. I filed a claim wiht both banks XXXX in XXXX and XXXX in The XXXX XXXX, however, both cases worked on worldremid favors. XXXX bank told me that I authorized the transaction ( which I did ), and XXXX XXXX tells me that they never recieved the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with non-monetary relief