BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-02
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
They keep stating I owe them and I don't owe them anything. The address they have for that account is not even mine. they keep telling me to pay or ill be taken to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Since XXXX XXXX, 2016, I 've been attempting to request my free annual report from Experian, though XXXX. Each time, when I get to the end after entering my info and choosing Experian, I get the message : " A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

XXXX XXXX. XXXX XXXX XXXX, GA XXXX '' So, the online form is n't working with them at this time, and they have n't fixed it after two weeks.

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 2022-05-27
Company: Experian Information Solutions 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:
My information on my report are all reporting inaccurately and I have sent over a letter already stating that my information be updated in XXXX. I sent over a second letter in attempt to get this fixed and taken care of as well. 

XXXX  shows improper dates that it was opened. XXXX is reporting XX/XX/2017 while Experian XXXX XXXX show XX/XX/2017. The amount of the high credit limit shows inaccurately as well and the comments on XXXX shows inaccurate as well. 

XXXX shows XXXX different account numbers and all 3 bureau 's are reporting inaccurate information. These accounts do not belong to me at all.

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 2022-05-27
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I sent XXXX XXXX a XXXX letter via mail on XX/XX/XXXX & a XXXX XXXX XXXX XXXXXXXX on last week requesting them to delete the charge off account that they are listing on my credit report, XXXX XXXX is continuing to add as well as remove payments from my XXXX reports which lets me know that they do not have the correct information. If this is not deleted I will be filing a lawsuit because this information is severely affecting my credit report & is making it look like this is a recent delinquency when the account went bad around XXXX or XXXX. As a result I have been recently denied 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 2022-05-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have overpaid my credit card over the course of a long time and I have paid them grossly over the course of time Ive had it which is now totaling {$31000.00}. First they said they I was owed {$14000.00} on XX/XX/2022 and they emailed me and wrote letters saying they processed the hard copy paper check on XX/XX/XXXX and it would be mailed to me within the allotted 7 days since I requested my balance refund.. I know they have to give it to me within 7 days of me asking plus I need all money Im not rich all they say us Im handled by a special dept and each time I get transferred to that dept they say its a dept that owes money to macys but they said they owe me money and one lady gave me her employee id to reference and give that she is the One who is processing and mailing the money checks on XX/XX/2022 ( her employee id is XXXX ) the one who emailed me and wrote she processed my credit card refund balance on XX/XX/XXXX, but didnt say she had another {$17000.00} to send as well I have formally and verbally said I want the remaining {$17000.00} mailed to me at my home address Ive also said I havent received the first check of $ XXXXits been over 7 days I want all my money today mailed to me sent in. A hard copy form paper check All of it center at the same time it seems I never got the XXXX I wouldve gotten it by now so please I want the full amount sent me at once all the same time Mail to meet my XXXX to XXXX XXXX XXXX XXXX  They owe me and my husband have seen amounts of money we were trying to purchase our wedding rings I want all of it sent to me before they dont send any of it to me because theyre outside of the timeframe Really ignored everything Im saying they wont read my emails they just make up every excuse in the world that its not they dont even tell me they have to mail it to me after I requested within seven days Ive pleaded please tell him to give it to me mail it to 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 2022-05-27
Company: Bread Financial Holdings, Inc.
State: MD
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY fcra violations not mine all listed on all : XXXXXX/XX/XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$16000.00} written off. 
Account TypeCredit card Balance {$16000.00} Date XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$810.00} written off. {$810.00} past due as of XX/XX/2021. 
Account TypeCredit card Balance {$810.00} Date XXXX Dispute XX/XX/XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3600.00} written off. {$3600.00} past due as of

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 2016-11-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Upon reviewing my Experian credit report ( XXXX ), I discovered an obsolete account ( creditor name, XXXX XXXX, account number XXXX ). Please delete this account immediately as it is too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated. 
In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] " Running of Reporting Period '', as of XXXX XXXX, 1997, reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired.

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 2022-05-27
Company: Experian Information Solutions 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:
Hello, Please, I am kindly asking you to investigate the accounts that recently appeared in my credit report. I have never had anything with these companies but now I have bunch of unknown items that destroyed my credit report score. Please investigate them all and remove as soon as possible. Thank you in advance. Please see the report and my docs attached below.

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 2022-05-27
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My car window was smashed at a baseball field near my house on Saturday, XX/XX/XXXX about XXXX PM. I called Wells Fargo right away and let them know. They told me they would send me new debit and credit cards. They did not advise me to do anything else. On Thursday, XX/XX/XXXX I checked my checking account and I had - {$3500.00} in my checking account. I called Wells Fargo and they told me a check had been written to me and deposited. However someone had fraudulently tried to cash this big check written to me. Ever since then it has been nothing but headaches and they keep telling me they are investigating. They told me I would have my money back and things would be resolved today XX/XX/XXXX. I called this morning when it was not resolved and they told me that now they are still investigating and it will be resolved on XX/XX/XXXX. I opened a new account and I still have a negative balance of {$3500.00}. Please help me to resolve this as soon as possible. It has been the worst nightmare ever! I was a victim of a robbery and identity theft and I am getting no help whatsoever. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-02
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:
See attached letter. XXXX reflects they did not have written authorization to access my credit report. XXXX reflects in letter they had a verbal permission to access my credit. FCRA clearlly states that written instructions is required unless a person ( and not a company as XXXX ) has met the permissible purposes required to access one 's credit report. 
In addition, XXXX then contracted XXXX XXXX to access my credit report on their behalf. XXXX XXXX is a group of companies under one company who then has access to my personal information. I never gave permissible purpose to XXXX XXXX or XXXX to access my credit report and the CRA 's need to remove inquiries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, 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:
Hello, Please, I am kindly asking you to investigate the accounts that recently appeared in my credit report. I have never had anything with these companies but now I have bunch of unknown items that destroyed my credit report score. Please investigate them all and remove as soon as possible. Thank you in advance. Please see the report and my docs attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
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: Information belongs to someone else

Complaint:
Hello, Please, I am kindly asking you to investigate the accounts that recently appeared in my credit report. I have never had anything with these companies but now I have bunch of unknown items that destroyed my credit report score. Please investigate them all and remove as soon as possible. Thank you in advance. Please see the report and my docs attached below.

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 2016-09-22
Company: Atlantic Credit & Finance, Inc.
State: OK
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Atlantic Credit and Finance calls my personal phone multiple times per day. They started calling my husband, now calling my job. I have asked them to no longer contact my job and family. They also leave messages on the voicemail claiming they are a debt collector trying to collect a debt from me. I have spoken to them and they have started telling me if I do n't pay, the will take legal action and that my case is being turned over to a lawyer. I have asked for proof via mail and to only contact me via email or mail. They still call my family, my job, and myself. I have explained to them the reason I quit paying the original debt is because I have become very ill and have medical bills from XXXX and such XXXX. They still say I need to pay or I will be turned over to a lawyer.

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 2022-05-27
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-05-27
Company: NAVY FEDERAL CREDIT UNION
State: MD
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
i had a very bad experience with Money Gram co. 
three days ago i send money from USA to XXXX they ask me for first and last name as required i did provide all the information same as my receiver ID the min i finished they took the money from my account. i checked their web site they said money is ready for pick up my receiver went to their location the next day they told her money is not ready for pick up yet!!!! after three days when she went back they told her we cant give you the money because there is no middle name in her order ( which is OPTIONAL!!!! in their web site you can check it ) AND SENT HER BACK so i, however she has their confirmation e-mail ID matches the first and last name i sent her my confirmation e-mail too.!!!!!!!! so instead of send her back they should notify me when i set up the transaction because the information they requested matches the receiver ID and confirmation ID. 
when i called the customer service here they told we cant do anything for you go online CANCEL YOUR ORDER WAIT UP TO 10 DAYS FOR REFUND AND U CAN SEND BACK THE MONEY WILL BE READY FOR PICK UP IN 3 DAYS. 16 TO SEND MONEY WHICH DECADE IS THIS ITS 2016!!!!!!!!!!!!!!!!!!! 
so either they do n't have the money available at that time or they want to keep it longer. i cant see another reason because i dealt with different co. and this is never happen to me before. 
hopefully you can help me now my money stuck with them i cant get it back before 10 days so i can send it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, INC.
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 sent a letter off on XX/XX/XXXX. Here is my tracking # XXXX. To remove personal information that I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802. A financial institution is not supposed to share my information to third-party people. These are clear violations of my federally protected consumer rights.

I have attached : A copy of my license with my current address A copy of the utility bill A copy of the bank statement a copy of ssn A copy of the letter that was sent off on XX/XX/XXXX A copy of an FTC report with a few of the addresses A copy of the previous CFPB complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: EQUIFAX, INC.
State: NV
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:
Equifax has inquiries on my credit report I did not ask for no credit increase

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My wife and I refinanced our existing XXXX XXXX  VA mortgage with another lender in XX/XX/2020. We completed the closing process and wired the required payoff to the title company within that same month. I received verbal confirmation from both the new lender and XXXX XXXX  representatives that the month 's mortgage payment did not need to be made, as a payoff request had been initiated prior. The payoff was completed, in full, and we were reported to all XXXX, XXXX, and Transunion credit bureaus two weeks later. Several unsuccessful attempts were made with XXXX Mortgage and the three credit bureaus to remove XXXX 's " late '' payment since XX/XX/2020. The credit bureaus did not objectively review the statements and documentation, only deferred to XXXX XXXX 's statement. We, as the consumers, did everything under the advisement of XXXX XXXX  and the new lender, and in good faith, and completed our obligations on time. A detailed summary is provided in the attached documents, with amplifying information and substantiating documents.

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 2015-11-02
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I used XXXX and noticed an error on my Experian generated XXXX XXXX XXXX loan account - it said I was 90 days late - which I never was. I went to dispute it with Experian. Experian asked me a bunch of questions which I answered correctly, then I received a message that my request could not be processed and they demanded a copy of my driver 's license. First of all, I do n't know who these people at Experian think they are, demanding a copy of my driver 's license ( which I absolutely REFUSE to furnish to them ), but also they are holding me hostage by willfully reporting erroneous information and refusing to allow me to correct it unless I give them my driver 's license. Unbelievable! This is n't the first time Experian has done this to me. I reported a similar issue to the CFPB a few years back. Fine them and punish them, please!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief