BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-11
Company: EQUIFAX, INC.
State: MA
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:
BOTH EQUIFAX AND XXXX  DROPPED MY FICO  SCORE SIGNIFICANTLY WITH NO SUBSTANTIATED REASON. NOTHING ON MY REPORTS HAS CHANGED IN THE LAST MONTH OTHER THAN ME PAYING OFF MY XXXX  XXXX XXXX TO XX/XX/XXXX Balance. 

I HAVE 100 % payment history, No derrogatory remarks and my credit card utilization is 0 %. ARE THEY ABLE TO TELL ME WHAT DRASTIC CHANGE HAPPENED< THAT THEY ARE NOT REPORTING IN ORDER TO DROP MY FICO  SCORE SO SIGNIFICANTLY? 

TO ME, its a form of bullying and harassment. THEY JUST ADJUSTED IT in XXXX AFTER MY COMPLAINT HERE. WHY DO THEY KEEP DOING THIS KNOWING IM GOING TO COMPLAIN HERE?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX XXXX of XXXX XXXX XXXX XXXX, in State of GA, put XXXX tax liens on my property XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX, on XXXX/XXXX/2014. XXXX errors on my credit reports were created when this happened. 

The XXXX mistake was that no lien should have been placed on the property to begin with. XXXX of XXXX Representative on the phone told me this always happens that liens are placed on when the city is reassessing my home 's tax valuation. Because of that, my bank ( Escrow ) short-paid the taxes based on what they assumed the taxes to be. XXXX XXXX of XXXX then put tax lien on the property on XXXX/XXXX/2014 and turned the collection on the taxes to XXXX Services a collection company that works with the city of XXXX / XXXX XXXX. When I called XXXX, they told me that the tax bill had taken care of ; XXXX issues from the same day. That is when I called the XXXX back but they would n't help any further. 

The XXXX mistake with this was they put XXXX tax liens on the same day for the same thing again for something that was out of my control because the city had the incorrect tax valuation. The XXXX tax liens on the same day for the same mistake were : XXXX for {$76.00} on XXXX/XXXX/2014 XXXX for {$76.00} on XXXX/XXXX/2014 I have contacted XXXX TransUnion to get this removed XXXX XXXX of XXXX to correct the multiple errors. Neither would take care of this. I have been trying to protect my credit report from errors such as this and really want XXXX errors removed immediately. 

Please advise. 

Thank you, 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 non-monetary relief
Consumer complaint received 2022-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was never notified by Capital One that my account was going to be closed. I went to use the card and it was declined, then the same day I got an email saying my account was closed due to inactivity. I tried to call the company, but the people on the phone didn't speak good english and weren't able to help me. They said they can't keep my account open. My credit scoXXXX dropped XXXX points due to this mishap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
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 am a victim of identity theft my personal and financial information was exposed in a data breach. I am not responsible for the disputed accounts nor did I benefit from the accounts in any way.

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 2022-03-25
Company: EQUIFAX, INC.
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:
XXXX XXXX XXXX, These are the dates I submitted written dispute letters to Equifax Credit Bureau regarding XXXX XXXX XXXX reporting debt of {$1700.00}. This is inaccurate, unverified and unsubstatiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Senex Services Corp.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Senex Collections has reported me to all XXXX credit bureaus this is not my account or they have me confused with someone else I have XXXX % medical coverage with no co pay this is not my account and request it be removed immediately additionally they call my home every hour of the day with a anonomous number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, DEPT OF ED, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, US SM BUS ADMIN ODA.

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 2015-10-27
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
A little background to the story, I 'm an out of state XXXX student. I get a scholarship to study here & the tuition takes couple months to come in to my account. I 'm not working due to the fact that I 'm a full time plus more student. My mother is a single mother, trying to provide both me & my XXXX year old younger brother. It 's very hard especially during this time of the year, when I have to constantly ask my mother for money for food & material/supplies I need for upcoming/ongoing projects ( materials can be pretty expensive! ). Recently, Wells Fargo charged me {$35.00} XXXX on a purchase I had made at XXXX XXXX on a Thursday and money was put in the following day. Throughout the whole weekend, I constantly checked my bank account to make sure I did n't have an insufficient fund & I was doing completely fine. However, just today which is Monday, I checked my account to see that they charged me {$70.00} total for the transactions. I put in money into my account right after and called in to see if they can reimburse the fees but they coldheartedly declined my request and said that there was nothing they can do to help me. I do n't understand how any kind of banking service would be this rude and disrespectful. The charges were n't my fault, but still they refuse to believe that the fault is their system. I 've been a Wells Fargo customer for good 5 years, and yet they still have yet to respect me as a customer & help me out with the slightest thing like an reimbursement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-09
Company: EQUIFAX, INC.
State: NV
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 received a copy of my credit report after not using my credit for years and there is multiple accounts in my name that do not belong to me and I did not authorize. I filed a police report and an identity theft. I also filed disputes with all 3 bureaus. Some it was deleted. but when I called today I was told the XXXX account showed proof it was mine and I could not redipute. I don't understand how that can be possible when it was not me and I was not sent this supposed proof either. They said it like there is nothing I can do. That account and one with XXXX XXXX are the only 2 fraudulent accounts that remain and I should not be held liable for accounts I had nothing to do with and did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 received a copy of my credit report after not using my credit for years and there is multiple accounts in my name that do not belong to me and I did not authorize. I filed a police report and an identity theft. I also filed disputes with all 3 bureaus. Some it was deleted. but when I called today I was told the XXXX account showed proof it was mine and I could not redipute. I don't understand how that can be possible when it was not me and I was not sent this supposed proof either. They said it like there is nothing I can do. That account and one with XXXX XXXX are the only 2 fraudulent accounts that remain and I should not be held liable for accounts I had nothing to do with and did not authorize.

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 2016-02-18
Company: WELLS FARGO & COMPANY
State: UT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
On XXXX/XXXX/16 I applied for auto loan with Wells Fargo for {$8000.00}. We decided to apply for the loan since we have a current auto loan with them and have a perfect payment record with them for over 2 year. Plus we know that our credit score was about XXXX points higher then last time. 
I was disappointed to find that we declined very quickly. Well our credit is n't the best so we were n't too surprised. So we then went directly to a dealership to see if they could get us financed on XXXX/XXXX/16. 
The interesting part is the dealership was able to get us approved for about {$7600.00} car and by none other then Wells Fargo. The same bank that declined us just a few days prior. 
The reason I am issuing this complaint is just recently we ( my wife and I ) received a our declined letter from Wells Fargo. They list my credit score as XXXX and my wives as XXXX. I was shocked by the low score because I check my score regularly and through Transunion before was applied I was in the XXXX 's. I do n't know how they could say we 're more than XXXX points lower. 
I feel this effected us in XXXX ways : 1 ) It caused that we had less options of vehicles to choose from, 2 ) we did n't have a choice on the term, 3 ) and lastly, now we will have XXXX credit inquires for XXXX auto loan. My main concern is how they can have such a low credit score for us when we view XXXX the information is so much different. And then they can approve later. It just does n't make since and we feel that someone should be made aware of this and hopefully their will be an investigation so they do not do this to others.

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 2021-01-08
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have tried every possible avenue to talk to AMEX. The silo culture is unreal. You can not talk to a single human being who knows anything other than their small part. I was drugged, threatened with blackmail to my family, and threatened by people who called my phone threatening to kick in the door of my home over transactions made by organized criminals wanting additional cash payments. Multiple police reports filed, the specific business involved was recorded threatening me directly, and AMEX does nothing. A year ago I broke down XXXX, and their reps landed me in a XXXX XXXX. I lost my job a year ago, largely as a result of this total incompetence. I worked in the XXXX XXXX XXXX XXXX for 20 years and I could no longer function at all. My wife called them the night this happened begging and pleading to please cancel the card, this isn't normal, he comes home. A {$55.00} dollar balance hit {$26000.00} in less than 48 hours. I am now being called by them over and over to make payments. I have lost everything, my job, my XXXX, my savings, and my marriage. This was an organized crime scheme, I never entered these places myself, I had to look at the charges and the names because I had no idea where I had even been, the people who drugged me drove me there themselves. This is insane. Now they have reversed their decision put in writing, even after I have been paying them off to attempt a reasonable solution. I've lost everything. And the only reason they call me is if I stop paying them. This is completely out of control and I can't even talk to anyone beyond mid management.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2016-10-03
Company: NCC Business Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Several letters have been sent asking them to bear my signature and all me letters and gone un answered. They have failed to comply with the FCRA and not provided any documentation. This information needs to be removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Alorica Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was recently disapproved for SCRA benefits under the key provision state of Ohio. My state of residence can be verified on my LES which is attached.

This is wrong. The law explicitly states that Ohio extends the 6 % interest cap on all debts and that a person or entity who knowingly charges a service member interest above 6 % in violation of the act shall be fined under 18 U.S.C. 3571, imprisoned for not more than one year, or both.

I contacted my attorney general for the state of Ohio as this is my home of record and the state that I am legally covered under concerning all laws relating to SCRA. SST returned a denial to the Attorney General as well. That denial is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
I have a credit card with Capitol One. I was going through a divorce and separated bank accounts and updated the bank information for automated payments to all accounts. For Capitol One I added my account information and set up the automatic payments in XXXX but something happened with their website and it did not accept my automatic payments successfully which I was unaware. Since I am used to everything coming out automatically I am not used to checking to make sure all payments are deducted as I have never had an issue in the past. However, I went to refinance and found out I had a 30 day late on my credit report. I called Capitol One immediately to find out why the payment was n't going through to find out that the bank was showing but not the automatic set up of my payments. I never received a phone call about my payment being late and now I have a 30 day late on my account when you can clearly see that I added my bank account and I have never been late with them and always paid on time. I think that they wo n't remove the 30 day late because I closed my account for this credit card so they do n't care about me as a customer. This is now affecting my credit score by XXXX points when I have always paid them on time other than this unfortunate technical circumstance. They are stating that they ca n't remove it even though they agreed that it is clear that I went and set up the new account. Please help, this is not fair!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Problem with personal statement of dispute

Complaint:
I regrettably bought a brand new XXXX  XXXX from Nissan Motor Company. 

This was the first time I ever bought and financed a new car and first time using XXXX XXXX with XXXX  XXXX XXXX. XXXX said my first payment was late by ten days. ZERO people called from XXXX to notify me of this issue. TECHNICALLY I made two payments the first month which should have covered everything. I was contacted over 4 years later (!!! ) saying I owed a late fee. 

The person who called had been harassing me for weeks and when I was home on XXXX XXXX, a National Holiday a foreign speaking person asked for my bank routing number to pay some sort of late fee. As I can show I made every payment perfectly.

My credit scores for 28 years has been flawless. A perfect XXXX XXXX  score. Thats so perfect and nearly unheard of. 

XXXX now claimed I owed a late fee for over 4 years. Is this really the game they play with perfect paying customers. 

They also recorded my phone calls and with me living in Florida that would be a crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: EQUIFAX, INC.
State: CA
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:
We were contacted by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX about unusual activity on " my '' accounts - I never created any accounts. We are now in the process of attempting to work through identity theft. In so doing, upon asking for our credit reports, we found many we NEVER requested or approved : XXXX XXXX XXXX XXXX Trying to contact such entities is 'difficult '. In the latter part of XX/XX/XXXX Credit cards were secured by whoever stole my identity and a balance transfer was in process for {$6200.00}. Thankfully, the security person at XXXX XXXX felt something was wrong and contacted me through my wife 's cell phone number. On XX/XX/XXXX a home loan mortgage was applied for, we do not know where. We found this out by a solicitor mailing us an offer of a loan, beginning with something like " you applied for a home mortgage on XX/XX/XXXX ... '' We do not know how to find out where this application was made. XXXX ( XXXX XXXX XXXX, XXXX ) is the solicitor, we are in the process of formally contacting them in an attempt to find out how they know about the mortgage application and who the application is with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08
Company: EQUIFAX, INC.
State: NJ
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:
The below account does not belong to me. It was open as a result of identity theft. These accounts were open while I was serving overseas in the military. 

Company : XXXX XXXX XXXX XXXX Account opened : XX/XX/y2019 Balance : {$5100.00} Company : XXXX Account number end : XXXX Account opened : XX/XX/2019 Balance : {$40000.00} Company : XXXX Account opened : XX/XX/2019 Balance : {$7400.00} Company : XXXX Account opened : XX/XX/2019 Balance : {$1100.00} Please remove this account from all 3 credit agencies. I have submitted several times FTC reports letters statements and police reports, just to have my request ignored or denied.

Company response to consumer: Closed with explanation