BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-06
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Unauthorized transactions/trans. issues

Complaint:
I use an Amex Serve card ( a prepaid debit card with a bill paying function ) as an option to a checking account. On XXXX XXXX, 2017 I got an email saying I had a negative {$140.00} balance on this account. After reviewing the transaction history on the acct, I could find nothing that would cause that kind of deficit other than an unauthorized withdrawal transaction. After 2 phone calls to the Amex offshore help desk I still do not know what could have caused the problem. Just a simple check with a calculator beginning with the most recent cash reload showed that accounting for all the following transactions would leave only an {$8.00} deficit & I 'm certain there was a positive balance at the time of the reload. Both " customer service representatives '' that I spoke to at Amex Serve would only parrot back the transactions to me & would not even take the simple step of doing the transaction calculations that I did to produce the - {$8.00} balance. I am concerned about this especially since I just went through a lengthy identity fraud investigation with the IRS & am concerned that my identity has been compromised. However, even with that information Amex Serve refused to open any kind of investigation to find out why I have such a large deficit in my account. So, my only recourse is to bring this to your attention in the form of a complaint so I can find out the real reason for this issue. I 'm attaching a copy of the transactions in question beginning with XXXX XXXX & covering the transactions up to today. Thanks very much for your help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX IS REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT. I HAVE NO TRANSACTIONS WITH THIS COMPANY. THIS IS CAUSING PAIN AND SUFFERING.

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 2016-01-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX sisters loan from XXXX XXXX shows on my credit report. The loans account last XXXX is : XXXX with the amount of {$1100.00} and it is charged off. I am not liable for this collection and it needs to be removed and placed on the correct persons credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On my credit report it list that I have XXXX open accounts, XXXX closed accounts and XXXX negative accounts. Of the negative accounts still on my report I have paid XXXX of the XXXX off either through an " I Pay Debt Agency '' or by myself but yet they are still listed as diliquent even after being paid off and closed. Some accounts that are opened have XXXX balances but still show as negative on my report and i also have XXXX XXXX XXXX who transferred my Mortage over to XXXX after defrauding many of their customers 's and getting them into loans which put many customer 's including myself into jeopardy of possible foreclosure. Can someone please review my report and help me get it straightened out.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Meade Recovery Services, LLC
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A little over a year ago discovered that I owed money to XXXX XXXX XXXX XXXX which I've never visited. The debt is now being collected by XXXX XXXX XXXX. I called the dental office and they said that I can resolve the problem with the Debt collection agency, but after calling they were no help. I also submitted a couple disputes through XXXX credit report agencies, but the dispute was dismissed as " Accurate Information. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
XX/XX/2022,,,,,, capital one, i made a debt for XXXX and its not pending or posted to my account,,, had this happen to me before by capital one, what it is, is that if its not posted or pending and it drops off your account, then it adds it back to the account and makes the concumer pay high interest and puts the consumer into debt so bad that it ruids there credit and everything else,,,, i was very sick due to this happening to me before, stayed awake for almost a solid week worrying over this same XXXX, im in bad health and, i dont need this at all

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 
XXXX XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Oil And National Credit Cards I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit.

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 2022-08-24
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE.

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 2016-07-18
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I was on the Income Based repayment plan for the past three years, but was denied this year since getting married, even though my husband makes less money than I do, but with combined income, they were able to deny me and placed me back in the standard repayment plan. This took my total payment from {$140.00} to {$430.00} for XXXX loans. I can not afford this payment as I also have private loans with XXXX. 
I have called for FOUR months to customer service and each time they put me in Forbearance and say that my next month 's payment will be corrected and around {$200.00} total as they are placing me on the extended graduated plan. Then each month, I get a bill for over {$400.00}. Each time I call, the rep says " oh I see where you called, but your plan was not updated ''. This has taken so much of my time trying to get this corrected and has been extremely frustrating, when I am actually trying to make the payments. I do n't want to keep being put on forbearance, I want to be in the correct plan. If I try to use their website, it wo n't let me do anything because it says I 'm in forbearance. On XXXX/XXXX/16, I tried to send an email, hoping that putting my complaint in writing would help, but I only received a generic response about logging on to their website. Please help as this level of service is unacceptable. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
This complaint regards a dispute that I filed with Transunion regarding medical bills from XXXX XXXX XXXX Hospital. The dispute was filed XXXX XXXX,2015 and an additional dispute was filed on XXXX XXXX, 2015 against the XXXX. I received a letter from Transunion dated XXXX XXXX, 2015 ( see attached ) that stated additional time was needed. Both of these disputes were independent of the other and should not have complicated matters with Transunion. It has been in excess of XXXX days since my initial dispute regarding the medical bills and I still have received no correspondence from Transunion regarding either matter. I contacted CFPB again on XXXX XXXX, 2015 and received correspondence stating that Transunion had sent a response stating that a copy of my credit report would be sent within XXXX days. Todays ' date is XXXX XXXX, 2015 and it certainly has been in excess of XXXX days since my dispute was filed and I would request that this information be deleted from my credit report. My initial dispute stated that at the time of the hospital visit I was fully insured and the bills should have been completely covered by my insurer at the agreed upon cost between the insurer and the hospital. 
Again neither of the disputes had anything to do with the other and should not have complicated either dispute so the additional days requested was not needed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion has failed on several attempts to update my credit as asked. I have faxed information regarding my identity as well as XXXX accounts on my credit to include XXXX and XXXX XXXX XXXX. In regard to my identity, I stated to them ... my name is XXXX XXXX XXXX, address is XXXX XXXX XXXX XXXX GA XXXX, phone number is XXXX, employer is XXXX University. Transunion continues to disregard my dispute after sending in my personal identification to verify this information. 

My second issue is that they continue to report incorrect unverified collection accounts on my credit. They are AFNI, XXXX XXXX Bank and XXXX COLLECTIONS all of which I have an open dispute case with the CFPB. My dispute efforts are updated with new information added however they fail to verify this " new information '' with me and continue to leave these items on my credit. I have submitted disputes online as well as via mail in which they fail to acknowledge my issues.

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 2022-02-18
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Noted when checking online my checking account credit rating went down 1 point and that it was showing an alert. After checking the alert I found that someone had inquired on my credit rating to Well Fargo. I have not opened any new accounts or applied for any loans. I called Wells Fargo today and found out that a credit card had been issued by Wells Fargo for XXXX XXXX XXXX XXXX in my name on XX/XX/2022. There is already a balance of over {$2400.00}. I did not take out this credit card nor have I ever purchased any products from this company which I was informed was in Wisconsin. They also told be that this credit card was applied for on line. 
I do not want this to ruin my credit and be reported for being delinquent while this is being resolved. Also Wells Fargo said it may take up to 90 days to research this. Really! 90 days? In my opinion Wells Fargo is very sloppy in their business practices.

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 2022-02-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had applied for a job ( XXXX XXXX ) where the company was to send me a company check for equipment ..they promptly sent the check via online for mobile deposit only..the next day, it showed posted in my account $ XXXX..posted, not pending! So, then the " accredited vendor '' for the office equipment wants me to XXXX  the the payment before delivery..XXXX & XXXX. {$4000.00} in payments were made..wells Fargo finally stopped the transactions..so, XXXX.I found out XXXX.via email that the check they posted was no good..keep in mind I only had {$700.00} of my own money in my account..why did they post that check without approval..I would not have sent any money if it was only pending..why did they let {$4000.00} go thru? XXXXXXXX XXXX is a fraud..very elaborate scam

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 2017-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Filed a dispute on with credit agency Transunion for credit negative remarks in which took longer than 30 days to resolved. In addition, requested removal of negative remarks in which was not resolved within the time window. 

Disputed XXXX XXXX XXXX XXXX : 1. XXXX - Dispute removal negative remarks - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. 
2. XXXX - Dispute removal negative remarks - 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 explanation
Consumer complaint received 2022-02-18
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: Public record information inaccurate

Complaint:
Hello, There is a Bankruptcy on my credit report that isn't mine. I believe it's fraud. I've disputed this item multiple times and they haven't removed. Per the 609 section & regulation they need to send me a copy of my signature and the originial contract. I haven't received the person they talked to or anything. I need this removed asap. The case number is XXXX. This was filed with the XXXXXXXX XXXX XXXX XXXX. I wrote a letter to the court asking them to send me something in writing saying the did not report to the C/B, I have that as well.

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 2016-10-16
Company: PRIMARY RESIDENTIAL MORTGAGE
State: RI
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX, I was referred to XXXX XXXX XXXX, a Senior Loan Officer at PRIMARY RESIDENTIAL MORTGAGE in Rhode Island. However, this individual never made telephone contact with me, our only form of communication was via email. Initially, she had me and my wife fill out a pre-qualification mortgage form. After filling out the form in entirety, including information about my RACE ( XXXX ) and military status ( Veteran ), the loan officer emailed me back. In her email she made very rude assumptions about me and my wife and was also very rude. Attached below is her email to me and my wife with our names deleted for security and privacy reasons. 
" Attached is your credit report to check out. 
Here is what I see : You are having your credit pulled over and over again, hoping for a different answer about buying a home. I suspect, you are getting rejections and maybe some suggestions. 
Here is the bottom line : ____ has a sub-par credit rating at the fico score of .... '' As you can see from the beginning of her email, she was very rude and condescending. I would for this officer to make anyone else feel the way she made me and my wife feel.

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 2022-02-20
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING LLC are trying multiple times illegally attempting to collect a debt and money that I do not owe. i never had a agreement with lvnv funding llc

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I do n't have proof of this is my debt I will like to have proof with my signature which they was n't available to provide me thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have made over 6 attempts to have the credit bureaus conduct an investigation to remove a couple of fraudulent accounts from my credit report. We have sent over FTC Affidavits and supporting documents and still the accounts are list on my credit reports. I 'm not sure why they 're allowed to get away with this. Their suppose to maintain accuracy on consumers credit reports. Hoping this will get some closure soon. I 'm attaching the Documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: EQUIFAX, INC.
State: TN
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 have disputed XXXX, Account XXXX multiple times across all three Credit Bureau and they have failed to annotate my account was " in dispute. '' Per Fair Credit Reporting Act ( FCRA ), when you file a dispute with the credit reporting agencies, they are required by the FCRA to show that the item is in dispute. They accomplish this by placing the code XB on the offensive credit entry. The XB code is whats referred to in my world as a Compliance Condition Code. When its placed in your credit report, it reads as Consumer disputes, investigation in process or some derivative of that wording. 

Since this has happened multiple times over the last year I want this account " DELETED '' across all Credit Bureaus due to the misrepresentation of the data on my credit file, impact to my FICO and increased in interest rates over the last year. There is no telling what else is not in compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: MO
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:
Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$3400.00} US DEPT ED XXXX Balance : {$3900.00} US DEPT ED XXXX Balance : {$2400.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$270.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$210.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX Date of inquiry XX/XX/202XXXX XXXX Date of inquiry XX/XX/202XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020

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