BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-14
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: Old information reappears or never goes away

Complaint:
Student Loan have been TOTALLY DISCHARGED DISABILITY on XXXX XXXX,2012. Each Credit Bureau XXXX, XXXX and TransUnion have REPEATEDLY ADDED TO MY CONSUMER REPORT. 

This is INTENTIONALLY ABUSE, ANGUISH, HARASSMENT, AND FRAUDULENT ACTIVITY. Induced damage and low Credit Score and denied credit for my BUSINESS AND PERSONAL.

15 U.S. CODE 1692k a ( 2 ) 616. 15 U.S. CODE 1681n ( b ) I have tried to resolve this issue with them on numerous occasions.

NOT CLOSED DELETED!

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 2020-10-02
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Requested several attempts to resolve late payment status on a secured credit card closed in XXXX. for the past 6 months thru Wells Fargo Complaints Management Office.. 
Finally received notice and written communication XX/XX/XXXX via email. instead of phone messages. 
I had requested a secured card to be closed in XXXX of XXXX and to use the proceeds from the savings account to pay off the card. and send me any balance that I may be owed me, or if I owe them to send me a billing of what I owed them. as I was closing down a XXXX  due to financial demise in XXXX. Instead Wells Fargo kept the account open and generated additional late fees and higher interest rates until it came to the point of having to charge it off, However they couldn't charge it off as there was a secured savings account covering the card, The account was paid in full by me in XXXX of XXXX and it is not the late charges or higher interest I am concerned about it is the reporting. They reported it as 30 day 60 day 90 day 60 day 90 day late. The payment from the secured account would have brought it current so having multiple 60 and 90 day late with this account at Wells Fargo wasnt accurtate reporting. However they removed the initial 30 and 60 on XXXX  and XXXX  leaving 90,60..90 late on XXXX  beginning XXXX XX/XX/XXXX and on XXXX  they changed it from 90.60.90 to 120.90 120 day late both starting XX/XX/XXXX. When all 3 of these late payments should have been removed with the initial 2 late payments, as the seven year time frame has arrived for removal which XXXX has done properly and no longer reports any history of late pays.. and at the same time XXXX XXXX increased the XXXX  late payments from from 90 ,60.90 days instead now reporting them as 120.90.120 late days. 
Wells Fargo need to eliminate the remaining late payments that were in succession with the original 30 and 60 day late payment that they removed as the time of 7 years for the initial late payment succession began and all reference and history of late payments should now be removed from my XXXX  and XXXX  credit report. .Currently XXXX is the only agency properly reporting no late payments and I would like Wells Fargo to correct the issue with XXXX  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 2020-03-04
Company: RFNA, LP
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I am a victim of Identity theft and I have disputed these items and they are still on my credit bureau. 
One account is Republic Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: Blackhawk Network Holdings Inc.
State: OR
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Managing, opening, or closing account

Complaint:
I own a XXXX vehicle eligible for the XXXX fuel economy rebate program managed through a company I believe is called Blackhawk. I had a card that expired with a balance of {$230.00}. The paperwork with the card when it was received stated the card could be issued within 5 years of expiration by calling the phone # XXXX. 
In XXXX 2016 I contacted this number, spoke with " XXXX '' who told me my card would be issued within 30 days. 
On XXXX/XXXX/2016 I called because I had not received the card and was told I needed to " wait longer '' as it could take up to 8 weeks. 
On XXXX/XXXX/2016 I called again because I still had not received the card and was told the card had been issued on XXXX and I should have received it. I was advised the card would be reissued. My address was confirmed multiple times with each call. 
On XXXX/XXXX/2016 I called again because I still have not received the card and was told the issue had been " escalated '' on XXXX. I asked if the card was reissued as I was told on XXXX/XXXX/2016 and was told " Yes '' but apparently had not yet been mailed. I asked when it would be mailed and the agent stated he did not know and I would need to " wait longer ''. 
It has now been 4 months or more since I initially called, Blackhawk was reluctant to give me their company name, and is repeatedly unable to confirm any details about when this card will be received or what is causing a 4 month delay. 
I would like the CFPB to assist in the reissue of this pre-paid card in the amount of {$230.00}. 
Thank you for your help, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-02
Company: Commonwealth Financial Systems, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received notice dated XX/XX/2020 from Commonwealth financial systems for medical bill, service date XXXX.The agency placed the debt on my credit file and after i disputed the information XXXX   and XXXX both reported that the information was verified. 
I contacted the agency and was given the phone number for the hospital billing department, however the representative was unable to verify the information and reported i was the tenth person to call and she is unable to assist because the hospital does not bill for the ER doctors .The hospital representative provided a phone number for the physician billing supervisor and my calls have not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX, 2022 I logged into my Bloomingdales account online and it said there is an issue with my account and for me to call. I called the number displayed and all I get is a bunch of run around. They keep playing we will send you letter with a code in it game. Now i am not going to keep playing these childish games of account holds without explanation and then want to send letters with codes. Im not going through this everytime something arises with this company. My phone number of XXXX is on the account and I own the phone number through XXXX as I have the last 17 years now. I am self employed as well so the number may appear publicly as The XXXX XXXX XXXX or XXXX XXXX XXXX. The number is mine and this letter game stops now. I have attached my phone bill to show proof that this number is mine and to knock the nonsense off. Further denial to my account when i call in or asking for letters with codes will result in legal action. This has gone far enough. I have had to provide codes from letters almost 3 seperate occasions now. If the phone number on my account is the number im calling from, then use it and stop playing games. I was out of town that weekend of XX/XX/XXXX22 and if I didnt have other credit cards to use then i would have been XXXX because this company doesnt care. I tried explaining this to the rep and she didnt care to hear. Most credit card companies resolve any issue right there and then on the phone and not hindering a consumer from using thier card. This is a complete disgrace and they need to come up with a better procedure then this.

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 2022-09-30
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022 Someone in XXXX, Florida opened an XXXX XXXX store credit card account in my name using my Social security number and cell phone number. I received a bill in the mail from the credit card company. I contacted Comenity Bank who is the creditor for this store credit card and the XXXX XXXX store where the card was applied for to report fraud on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: SC
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I received and email asking for the amount of {$150000.00} to finalize the down payment of my house. That same day into Wells Fargo wanting to make a wire transfer to XXXX XXXX XXXX On XX/XX/XXXX my real estate agent XXXX XXXX called me to tell me that that escrow has not received my payment. That same day I let Wells Fargo told me that there had been fraud on my account. They told me the money would be returned in 10-12 day. After that they told me that there would be an investigation the manager XXXX XXXX told me she would be in charge of the investigation but never heard anything back from XXXX where the bank was sent.

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 2015-11-04
Company: Blackhawk Network Holdings Inc.
State: MD
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I purchased visa gift card labeled as debit from giftcardmall, but they are sending product incapable of handling debit transactions. 

The major issue is that this specific debit product I received does not come with PIN ( in violation of federal reserve board regulations ), therefore, it can not be processed as debit card even though it has the word of DEBIT on the card. 

Additionally, they deliberately mixed the " terms and conditions '' of different products ( issued by different banks ) for the same item, so that consumers are unable to tell which product we are actually purchasing. 

The terms and conditions page for the item : XXXXXXXXThe terms and conditions page for XXXX product : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: Movement Mortgage LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been working with a mortgage lender ( XXXX XXXX XXXX Movement Mortgage ) for a refinance on my current home due to a pending divorce. I have a home equity loan on my home, and prior to " settling '' this debt with XXXX Mortgage, I confirmed with XXXX that this was the right move. He advised me to first request a XXXX from XXXX in an attempt to have them settle the entire amount ( {$7600.00} ), and if they were not willing to do this, offer a small settlement on the debt. XXXX agreed, I settled the {$7600.00} debt for {$1000.00}, paid it, received a receipt and sent the information to Movement Mortgage to proceed with Mortgage processing. Earlier this week, I received a denial from Movement Mortgage due SOLELY to the fact that they are calling the settlement a short sale. My lender thought ( in error I 've since found out ) that this would be considered more like credit card debt. I counted on my lender for sound advice and followed his advice. Now I will be unable to secure a FHA loan for 3 YEARS while this " bump '' on my credit seasons. I have called other mortgage lenders and found that I simply can not get the FHA Refinance I sought to secure. I am angry and feel this lenders advice has not only kept me from refinancing my home, it has also affected my credit ( which I have worked very hard over the last few years to improve ) It is not my job to understand the mortgage lending rules which is why I counted on my lender. While filing a complaint may not fix the problem, I would like to have the mortgage lender ( at a minimum ) reimburse me for the cost of the appraisal on my home ( {$490.00} ) since I am personally unable to complete the process due to misleading advice given me. I have email backup and will be happy to provide whatever documentation necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: Nationwide Debt Management Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I have received several calls to attempt to collect on a XXXX XXXX XXXX and have been subjected to very abusive and adversarial language. On XXXX/XXXX/2015 I received a call from XXXX from XXXX asking me to " man up '' and pay my debt, after I had advised them that I had experience a significant reduction in hours at my job. I work in the XXXX, and with the price of XXXX my income has been reduced by 50 %. After insulting my masculinity for being unable to pay, he called my wife at her place of employment and demanded payment from her. She has nothing to do with this debt, she was not a cardholder and she does not have permission to receive personal calls at work. He verbally abused my wife as well. I am concerned that this company may not be a legitimate company or have the proper authority to collect this debt because I do n't feel like any legitimate company would be that obscene when working with customers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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 believe this late payment is a error since Im been paid my credit card on time, I call the company and made couple disputes but Im really cant explain well because I have lenguaje barrier, and this moment Im taking class to change couple barriers and take more controls of my financial life you can see alway be made my payment in time this is error I would like a change to continue with a good perform on my financial

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
In XXXX, we decided to buy a bed from XXXX XXXX out of XXXX, KS. We ordered and paid roughly {$7000.00} ( {$4600.00} from debit card, balance on Synchrony XXXX ). The bed was never delivered, therefore I cancelled the order. I cancelled the order and closed the account in XXXX 2015. After 2 weeks, I got a bill in the mail for the entire amount. I called them again and they would credit the account in full. I asked them a XXXX time to close the account. After about XXXX minutes, and alot of anger, they closed it. a few weeks later, I got another bill in the mail. This time it was for about {$1100.00}. They were still billing me or shipping charges, restocking fee, etc. I called them yet again, asking how they could charge a CLOSED account, they said it was their right. I explained in detail what happened, talked to XXXX seperate supervisors and finally got someone with some force behind them.they told me I still was responsible and they would not close the account until it was paid in full. I took to social media at that point. I vented my frustrations, they gave me the " SORRY YOU ARE HAVING A HARD TIME '' speech. A lady from XXXX XXXX called me after reading the comments on XXXX and looked into the charges and credited the account. I requested yet a XXXX time to close the account. She said the account was officially closed. 

Low and behold, I got a statement in the mail 2 days ago. My question to them was " WHY AM I GETTING A STATEMENT ON A CLOSED ACCOUNT? They are refusing to close the account. I need this taken care of. I can provide the account number if needed. I checked my credit report and it still shows as an open account. HELP!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Arbitration

Complaint:
Disputed charges on GE Lowes XXXX XXXX XXXX XXXX in XX/XX/XXXX District court case in XX/XX/XXXX won with judgment to dismiss with prejudice and failure to provide any evidence. I have submitted documentation to all XXXX credit reporting agencies and to GE Lowes now Synchrony Bank. Only XXXX has deleted account and XXXX and XXXX continue to investigate not abiding by the court documentation provided. GE Lowes ( Synchrony Bank ) informs me they have made the request to the reporting agencies but the agencies tell me there is no such request in the system. I have continued to request written documentation and reference # XXXX of request yet have not received any to date. I have been fighting this for over 5yrs and wish to have my credit updated. I can not believe the cc companies and agencies can continue to not abide by a court rulings and keep my credit hostage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-04
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I disputed my negative accounts with Equifax. They deleted my accounts that were in good standing in the process. I then called customer service to request that the good items be put back on my credit report. They said that they would n't do it and were very rude to me on the phone. They deleted over 10 years worth of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
there are numerous problems with my credit report and these items are illegally being reported and need to be investigated according to the letter enclosed

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 2017-06-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On  XXXX   XXXX ,  XXXX , a federal tax lien in the amount of {$16000.00} was filed at the  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . The lien was satisfied and then released on  XXXX   XXXX ,  XXXX . The lien was later withdrawn on  XXXX   XXXX ,  XXXX .     Equifax is still showing this lien on my credit report. On  XXXX   XXXX ,  XXXX , I filed a dispute at Equifax and sent them both the Certificate of Release o f Federal Tax Lien AN D the Withdrawal of Filed Notice of  Federal Tax Lien after R elease from the  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . I was told that this information was provided and verified to be accurate by a third party -  XXXX . No change was made to my credit report.     I contacted  XXXX  and provided them with the same court documentation showing that the lien has been released and has also been withdrawn.  XXXX  filed a dispute with Equifax on my behalf ; however, once again I received a results letter stating the lien was accurate as reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-01
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: Account information incorrect

Complaint:
XXXX XXXX XXXX sent a collection account to XXXX, Equifax and XXXX. The loan was taken out in 2011 from XXXXXXXX XXXX XXXX and they state that the loan is still open. Once I found out that they had no license in Florida and that the loan was illegal I sent them a letter to stop taking payments from my account. They would not honor this request and I had to close my account. This loan is not legal or binding nor reportable to credit bureaus. I disputed this report with XXXX and they said it was verified. XXXX never contacted me about this loan. They just reported it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1500.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}.

Company response to consumer: Closed with explanation