BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-16
Company: EQUIFAX, INC.
State: NC
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 And Equifax are reporting a fraudulent account on my credit report which makes my utilization very high. Below is the fraudulent account : XXXX XXXX XXXX : {$50000.00} XXXX XXXX XXXX : {$50000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: EQUIFAX, INC.
State: NC
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 And Equifax are reporting a fraudulent account on my credit report which makes my utilization very high. Below is the fraudulent account XXXX XXXX XXXX XXXX : {$50000.00} XXXX XXXX XXXX : {$50000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XXXX I called about a card. I gave information liked I am using the card for building houses. I will only be using the card for building houses and nothing else. After this I received a personal gold card. I then called Amex about this and was giving the run around until I finally went online and applied for the business cards myself. After the getting the cards I called about my buying power. Every time I was told there is no preset limit but yet when I want to spend XXXX for building materials. Then in XXXX I was told I had XXXX on XXXX XXXX  credit card and XXXX on XXXX XXXX XXXX XXXX. Today when I need to spend money on building materials and to my acknowledgement I no longer have the XXXX on XXXX XXXX and after multiple calls nothing can be changed,.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Synovus Bank
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2019, 60 days late as of XX/XX/2019 and 90 days late as of XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
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: Personal information incorrect

Complaint:
I have sent two letters via certified mail to the three credit bureaus and they have refused to delete the incorrect information. I gave them my only personal information to include my name, address, phone number, and employer. The first letter was in XX/XX/2021, the second letter was XX/XX/2021. It is my belief that the over 16 addresses, 8 aliases, and 9 different phone numbers were provided by some persons or companies that have not yet provided verified proof of debt. I have provided proof to all three credit bureaus of my only name, current address, phone number, and employment. This is detrimental to my credit as I am currently attempting to purchase a home. I have already been denied twice ; me and my family are suffering from the three credit bureaus lack of action.

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 2021-02-27
Company: Scott Fetzer Financial Group Inc.
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: DISCOVER BANK
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. In XXXX, my information was compromised when I entered my data into a fraudulent insurance company website. When I learned how to protect my credit file from the fraudulent information, I began to send in paperwork to the bureaus around XXXX of XXXX. I was pleased when the information was removed and the CRA 's deemed the accounts were fraudulent and were works of someone using my personal information. 
Later on, when I checked my credit files in XX/XX/XXXX, I realized some of the accounts have come back on my report. I sent in paperwork again to the CRA and the creditors stating that the accounts were fraudulent. It is now mid XXXX, and the accounts are still reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have, with no avail tried to get this off my credit report. 
this company L J Ross, is reporting that I owe. I've was notified by XXXX that i was part of a nation wide breach an my information an identity was exposed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: CITIBANK, N.A.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold checking account with a bonus offer of XXXX Thank you points. 
Before opening it, I confirmed I was eligible for it. 
I completed the requirements and waited 90 days for the bonus points. 
I chatted with a Citi rep named XXXX who confirmed I 'll get the points. 
Now Citi is saying I 'm not eligible for them.

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 2021-02-10
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: Was not notified of investigation status or results

Complaint:
I sent a letter to the credit bureaus in regards to unknown and inaccurate items that I have found being reported on my credit report on XXXX/XXXX/2020. As of today it has been 46 days later I haven't received a response to my disputes of the inaccuracies found on my report. I'm starting to feel as if my actions are being disregarded on resolving this matter. I'm aware that there is a process that has to be taken, but to my understanding failure to to investigate these items within 30 days gives a valid reason to remove these items from the consumer report. So far it has ben 46 days and these items should be removed immediately. These inaccuracies are adversely affecting my credit and I want this issue resolved immediately not in another 45 days.

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 2021-02-27
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Reported fraudulent XXXX charges, they have been working on the case for 2 months now. Didnt provide any updates, I provided all the information they needed. They now say after 2 months since I called them that they cant dispute. I filed this within the proper time span.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: ALLY FINANCIAL INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019 a transaction was made through the XXXX application in the amount of {$200.00}. I first contacted the app vendor, XXXX, themselves, who got back to me in a timely fashion and responded that, upon investigation, they determined I was the victim of fraud due to that transaction. XXXX replied that they had taken action against all of the fraudulent parties accounts through their app, but they had no recourse to reimburse funds frauded through their application and recommended I follow up with my financial institution and local law enforcement. 

Later that day I contacted Ally Bank about the account my XXXX was linked to and explained to them the circumstances surrounding the fraudulent charge. Ally   opened an investigation and assured me I would hear a response in 7 - 10 business days. After receiving no information or follow up from them, I participated in their online chat to determine what the result of this investigation was. I again explained the situation to the chat representative, who agreed that it was a case of fraud and recommended I submit the documentation from XXXX via secure message for Ally to review and overturn. I submitted that documentation, waited the 7 - 10 business days and still received no response. Upon contacting the financial institution by phone, I ultimately received the answer that a federal regulation allowed them to not have to take action regarding this incident. 

While I have never had a problem with Ally reversing fraudulent charges are communicating in a timely fashion prior to this, this entire experience has left a bad impression on my of both their customer service and commitment to customers. I used to work in the XXXX XXXX XXXX and am well aware of what financial institutions can and can not do. What they're willing ( or not willing ) to do is another story entirely and I will definitely be rethinking my status as a customer to Ally Bank in the future.

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 2021-07-21
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

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 2016-06-02
Company: Selene Finance LP
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We purchased our home in XXXX with the mortgage originally serviced by XXXX, XXXX and XXXX which was sold to XXXX XXXX XXXX in XXXX - and never reported late by either company. 
With XXXX XXXX XXXX, we were not considered late until the XXXX of the month. We paid no later than the XXXX of each month. 
The mortgage was sold to Selene Finance who has reported us as being 30 days late on multiple occasions. We have attempted to pay within the 15 day window via their website - which regularly throws error messages or logs us out. I 've worked as a XXXX XXXX for more than 10 years and can say without a doubt, it is the most poorly constructed public ecommerce site I have ever encountered. We have called them on several occasions and are told that we are on the same pay schedule as when XXXX XXXX XXXX serviced the loan and to " pay just as we did before ''. 
We receive threatening statements in the mail stating that we owe a " corporate advance '' of {$1000.00} in addition to our regular payment - yet when we log in to selenefinance.com our account appears to be current. 
I am requesting that Selene Finance remove all delinquencies from my credit report and stop mailing threatening statements with erroneous charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Have dealt with Ocwen through efforts of reps with XXXX and XXXX Ocwen will not accept loan mod packages and will not send out proper notices for any denials Refuses to speak to my third party

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: Navient Solutions, LLC.
State: CA
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:
I have several loans in ibr with Navient. I was told that two of my loans do not qualify for Ibr and wont be part of the ibr forgiveness in 25 years because my income is too high. My loans  are also split up and being paid off in increments instead of a whole. So some of them will likely get paid off before the 25 year mark instead of the entire debt being forgiven at 25 years. Until I spoke to the customer service I had no idea that it was not counted as part of my total debt and to the IBR calculation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I am writing about Synchrony Bank 's " Card Security XXXX '' fees and charges. I opened an Amazon credit card back in XXXX and ever since I would continue to make monthly payments. As time went on the payments and charges were normal and expected. But as of today once I go and check my past statements there is a card security fee every single month with every single payment. I called the number and they tell me I enrolled in XX/XX/XXXX, which i absolutely do not recall doing. The supervisor whom I spoke with on the phone said there were charges in the year of XXXX and XXXX and so on until now etc. I've been trying to pay this card off ever since i opened it or at least get the balance lower than 30 % but it hasn't happened and now I can see why. Between the interest charge and the security fee my monthly minimum payment is about {$2.00}. This is simply a scam for which I did not opt for. Today. XX/XX/XXXX I called and cancelled my enrollment in this bogus service, hopefully my call actually went somewhere and the proper action will occur.

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 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2017-04-24
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are numerous addresses and employers that are incorrect on my report. I have asked that they be removed so that all of my credit reports match. I have sent in  XXXX  letters,  XXXX  fax, and called once and nothing has been changed.     The only address that should appear :  XXXX   XXXX   XXXX   XXXX , Ky  XXXX  The only Employer that should be listed is :   XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX 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 Double Reporting Inaccurate collections

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 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Around XXXX XXXX, XXXX, a series of weird ( and old - dated back to XXXX ) data suddenly showed up on my TransUnion credit file. It includes a phone number I don't have, a collections account and inquiries I do not recognize. I suspect that TransUnion erroneously merged my credit file with someone else 's.

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 2021-12-16
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2017-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are numerous addresses and employers that are incorrect on my report. I have asked that they be removed so that all of my credit reports match. I have sent in  XXXX  letters,  XXXX  fax, and called once and nothing has been changed.     The only address that should appear :   XXXX   XXXX   XXXX    XXXX , Ky  XXXX  The only Employer that should be listed is :   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 2022-05-02
Company: Experian Information Solutions 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:
This Company XXXX is in violation This Credit bureaus stated my account was properly investigated but how is it that possible if the open date is inaccurate, the date last is inaccurate and the reported is no accurate. This is ground for removal they Als violated my rights under 15 USC 1681 section 602 A. States I have a right of privacy 15 USC 1681 Section 604 A section 2 It also state a consumer reporting agency can not furnish. A account without my written instructions

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