BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
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: Account information incorrect

Complaint:
In accordance with the Cares Act and the Heroes Act, XXXX XXXX XXXX  ( Account # XXXX ) has violated my rights, XXXX XXXXXXXX XXXX reported 5 late payments on my Consumer Report ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). The reporting of the late payments are damaging and hurting me from purchasing a home for my family. 

Due to the current in place COVID-19 National Emergency, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the Cares/Heroes Act, requires creditors to report any account that had a payment accommodation applied to it during the Covered Period as " current '' to the consumer reporting agencies. At the time, I was on an accommodation hardship program with XXXX XXXX XXXX starting XX/XX/XXXX until XX/XX/XXXX. 

The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/XXXX through 120 days from the date the COVID-19 National Emergency is declared over. The National Emergency has not been declared over as of this date.

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 2015-06-15
Company: PLANET HOME LENDING, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received XXXX calls from the following telephone numberXXXX.  When i answer they hang up.  Then when I call the number back to find out who it is, each time I get an automated message telling me the name of the dept collecting company and that the call is in reference to a dept and in order to find out more details about this dept I have to enter my telephone number which I am hesitant to do.

The  thing is I  do not owe any debts whatsoever with this company or any other company and I do not know why these people are harassing me. or how they got my number.  This is nothing more than a scam phishing information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have been banking with Wells Fargo for a number of years and they refuse to increase the amount I can withdrawal from the ATM. Since I opened my account I have only been able withdrawal {$310.00} per day. This limit is too low, especially with me being a long time customer. The website states to speak to a banker or call to have the limit increased however whenever I visited the branch XXXX XXXX to have my limit increased to at least {$500.00} the banker told me it is impossible to increase my limit. Are you kidding me?? Is it because I am a XXXX man or because of how I look automatically keep me with a lower card limit?? I have been married to my wife for 13 years and we go to work everyday to help improve our way of life. Also my wife works XXXX, and has been there for over 10 years, so I know its not impossible to increase my card limit. The banker did n't even check on anything he just automatically said no. Is it because at the moment my account balance was not what he wanted to see?? Also why even have the option on the website if your not able to do. I have had so many issues with Wells Fargo and I normally do not complain but this is the last straw. Even direct deposit cards have a higher limit than that. I really enjoy banking with Wells Fargo but I am really considering switching to another bank. All I want is my card limit increased for ATM to at least {$500.00} given that I have banked there for many years. Is this too much to ask??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, my name is XXXX XXXX and I have for the past 6 months reached out to XXXX, transunion, and XXXX in hopes of fixing my credit submitting all information required such as identification, dispute items, with account # s and still to this date I have had no traction in my disputes. XXXX for the past 3 months have been sending me my results for the disputed accounts pending, then saying its completed with an empty report # saying I have to pay {$20.00} for the results and then saying it can not be found. The debt I am disputing is still unverifiable nothing has been sent to me and I am just trying to get an apartment in which I can not have my credit fixed for the life of me. As these reporting agencies are just taking advantage and violating FCRA laws in which they just are not responding especially XXXX, Transunion 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 non-monetary relief
Consumer complaint received 2022-04-13
Company: SYNCHRONY FINANCIAL
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
I applied for a care credit account, and they approved me for XXXX dollars I never used it because of the pandemic know they I do not know who took the money out and they can not tell me who took it, I was supposed to use it for XXXX XXXXXXXX in XXXX. Can you please help me find out who took the money. Please and thank you. 

I can be reached at XXXX or XXXX SS # XXXX DOB 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 monetary relief
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: VA
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:
Pursant to 18 USC 8, I owe no debt, This company ( XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate. Also according to the new law that has been passed it states any medical debt is to be removed thats under XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My husband took money out of his retirement account at Wells Fargo and they gave him a cashiers check. He walked to the teller to deposit into our checking account and apparently they have lost that cashiers check. This has been going on for a week. He calls the bank and they admit the error but will not deposit the money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
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:
Round about XX/XX/2022 the company responded to a compliant I raised for serveral bankruptcy accounts that appear on my credit report. Even though the case is still open on the CFPB site I reviewed my Experian credit report portal and these items were verified and remains. I still did not get the a response on who verified this information and I have requested several times asking for details of the verification and these items still remain even though all of the public information are frozen. The documentation previously provided shows the dates and pubic resource of when these freezes were placed however the credit bureau stated that they could not used the documentation I provided

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 2022-04-13
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: Was not notified of investigation status or results

Complaint:
Hi, my name is XXXX XXXX and I have for the past 6 months reached out to XXXX, XXXX, and equifax in hopes of fixing my credit submitting all information required such as identification, dispute items, with account # s and still to this date I have had no traction in my disputes. XXXX for the past 3 months have been sending me my results for the disputed accounts pending, then saying its completed with an empty report # saying I have to pay {$20.00} for the results and then saying it can not be found. The debt I am disputing is still unverifiable nothing has been sent to me and I am just trying to get an apartment in which I can not have my credit fixed for the life of me. As these reporting agencies are just taking advantage and violating FCRA laws in which they just are not responding especially XXXX, XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is a Formal Complaint Against Equifax. 

You are reporting inaccurate credit information. 

XXXX XXXX XXXX XXXXAddress : XXXX XXXX XXXX, XXXX, WA-XXXXXXXXAccount Number : XXXXDate Opened : XXXX/XXXX/XXXXSource : EQUIFAXThe tradeline/account/information therefore needs to be removed/deleted. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

I have been writing Equifax regarding the removal of this tradeline for over 6 months. 

The listed item is entirely inaccurate and as such represents a very serious error in your reporting. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information ( XXXX ). 

Please know that you have 30 days to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
UPDATE - THEY SENT ME A REFUND CHECK BUT NOW ARE CALLING ME ABOUT LATE PAYMENT AND INTEREST - THESE HAVE GOT TO BE THE STUPIDEST WORKERS IN THIS WORLD!!!!!!!!!!!!!! DO NOT HARRASS ME I MADE A PAYMENT ON THE XXXX OF XXXX ( details already below from a PREVIOUS COMPLAINT ) Comenity REPS numerous ones told me they would fix this. Instead they sent me a REFUND CHECK for the payment due on my account. I WANT THEM TO REVERSE ANY CHARGE ON THIS CARD SO I CAN BE DONE WITH THESE IDIOTS!!!!!!!!!!!!!!!!!!!! 

In XXXX, this year, I made a purchase on my XXXX XXXX XXXX XXXX credit card that was sent to me to REPLACE the XXXX AND XXXXXXXX XXXXt separate cards. I destroyed those cards as I was asked to in the mailing of the new XXXX XXXX XXXX XXXX  card sent. I have had trouble with this bank in the past for taking so long to post or not posting to correct account. AGAIN, since I knew of this trouble, I sent payment for my purchase on the XXXX of XXXX, this year. They applied it to the old account even though I had it directed to the NEW CARD NUMBER sent to me. This was only DAYS after my purchase so they would have time to POST IT to my account well within the time limit for making payment. To this date, XXXX, I have written to them in secure message, twice, I spent 45 minutes on the phone with a representative explaining the situation as they had sent me a notice that my payment was past due but is SHOWING A CREDIT BALANCE for the {$31.00} purchase I made, but they posted to THE WRONG ACCOUNT number. After speaking with the representative for the 45 minutes, he told me he understood and would fix this. That was on XX/XX/XXXX. Today I sent another message requesting my account be updated to show I am NOT PAST DUE BUT IN FACT PAID WELL BEFORE TIME. I do not plan to let this go months and months again like last time I need this corrected by them NOW. Please provide whatever assistance you can in this regard. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-29
Company: CL Holdings LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not sign a contract with this company therefore they have no right to report on my credit. I have reached out to the company and asked them to discontinue reporting on my credit and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This complaint is in reg ards to Navient recommending practices of loan repayment that are poor for both the U.S. governme nt in reducing debt and for the borrower. My current interest rate is at such a high rate that I am paying approximately {$820.00} a month in interest. Recently I re-enlisted in t he " Income Contingent Repayment Plan ''. During the course of my conversation with th e individual it was recommended that I seek another repayment option if my current plan was too high. He said that my monthly bill would go below {$400.00} per month. At that rate I would add over {$400.00} a month onto the principle once the interest is capitalized. the overall amount of money borrowed to go to school is already greater than what I actually borrowed. This is not a new tren d for Navient or in general  any student loan servicer. At that rate the overall student loan debt would continually increase across the board. These practices will lead to a student loan bubble collapse that could exceed  XXXX   XXXX  dollars worth of financial damage. Also during those interactions, I discovered that they have an automated system once I submit my application for income contingent repayment that removes my payment during the 15 day processing time frame and places me into forbearance. Because I have automatic repayment from my bank account I am given a reduced rate of 7.0 % from 7.25 %. However, because my payment is put into forbearance I have an increased rate up to 7.25 % for those 15 days. On average that me ans that Navient will make a n extra {$100.00} on my account. While that amount in general is not substantial to me, when it is expanded out to the number of people who have to submit applications for income contingent or income dependent plans the number grows to several  XXXX . Then, when you expand that out to the minimum repayment  of 15-20 years per plan it becomes evident that Navient is simply looking to increase profit against unsuspecting or unknowing consumers. I believe tha t this company represents a threat to the financial well being of this country, and they need to be handled accordingly.     Sincerely and looking to offer more insight into my dealings with this company,  XXXX   XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went online to request my credit reports ; Equifax stated I have to mail them my personal information such as a copy of social security card and my driver 's license through the postal service before they would release my credit information. The other XXXX failed to provide any information as their links were in-operable. XXXX XXXX did a report on their careless handling of the nation 's repository information and their inaccuracy. It prompted me to request my information because for the last six months I have been trying to get a job. I believe these XXXX are the sources of my pain. I am not comfortable sending my information through the mail and I should n't have to pay to send it express or registered mail. There so called credit repository are a disgrace to the nation and its citizens. Your organization should disbanned these XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: LA
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:
Ive mailed over countless letters to All 3 major credit bureaus and alleged creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) each creditors violated my consumer rights under the FCRA and I stated to XXXX that each creditors was allowed their full 30 days plus additional 15 days to respond back to mailed CERTIFIED letter I requesting verification of debt! Which all failed to do so! Under the consumer law 15 USC 1681eb that i have a right to a complete and UPDATED AND ACCURATE CREDIT REPORTING! Or all can and will be sued in state and federal court!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: California Accounts Service
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: Account status incorrect

Complaint:
California Account Services is reporting a debt on my credit that i do not owe.I recently checked my credit report and noticed this debt. I paid this account directly to the hospital and there was no balance remaining. This should have never gone to collection because it was never a collection. This is erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Mortgage was sold to a servicer. I have called several time to find out where to make my next payment. XXXX XXXX XXXX will not give me the address or a phone number to reach out to the new compmeany. I only have one week left to make my next payment on time. 
I have looked the new company up on line and found a phone number, but when you call it, and go through all of the prompts, there phone hangs up on you. I was one month ahead, now I may be late and or one month behind.

Company response to consumer: Closed with explanation