BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-01
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been notified by XXXX XXXX XXXX that my balance is being provided to all major credit bureaus but the account balance is not being updated. I have not been able to pay on this account due to inaccurate balancing updates. I have attached documentation that the balance should be {$960.00} so that I can begin letting my credit union make payments as they did on my behalf. But I find it unfair to do this and the credit bureaus are not doing their part to update the balance. XXXX XXXX XXXX said it was fine to have the credit union mail payments to the original creditor as which would notify them of the payments received as which, XXXX would then in return notify the credit bureaus. There are old debt ( not that I am admitting to these debts ) that has exceeded the time limit but yet displayed on my credit file. For example, XXXX XXXX XXXX expired XXXX 2016 but still displaying on all credit files. Whenever I disputed a debt, I always said " it 's not my debt '' because of the laws to restart the count, but the credit bureaus restarted the counts ( review my credit files, you will see ). I also disputed the " suffix '' on my name with XXXX in Report Number : XXXX because I am not a male and never had " XXXX '' on my name. This is yet to be corrected because I have not received an updated report to reflect this. See attached that reflects this name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Experian Information Solutions Inc.
State: TN
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:
This is the first time I have never encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security had already been filed. Please delete these unknown items from my report. 

XXXX XXXX XXXX {$3000.00} XXXX   XXXX {$560.00} XXXX  XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX   XXXX XXXX  XXXX {$350.00} XXXX XXXX XXXX   XXXX {$340.00} XXXX XXXX XXXX  XXXX {$520.00} XXXX  XXXX {$120.00} XXXX   XXXX {$82.00} XXXX  XXXX XXXX XXXX {$1200.00} XXXX XXXX   XXXX {$310.00} XXXX  XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1000.00} US DEPT VETS XXXX {$0.00} XXXX XXXX {$22000.00}

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 2022-03-26
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: Credit inquiries on your report that you don't recognize

Complaint:
After careful review of my consumer report I noticed inquires that were unfamiliar to me. Please see the following list of inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 explanation
Consumer complaint received 2021-02-19
Company: Convergent Resources, Inc.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a rental property in XXXX, Georgia from XXXX to XXXX till XX/XX/XXXX. The utilities company was XXXX  XXXX XXXX. I started received collection notices from Convergent Outsourcing Inc in XXXX from bills from XXXX XXXX XXXX that they said I owe. They reported the unpaid debts to reporting agencies few times. I wrote few letters to them about the bills & asked for the authentication of the debts and finally after providing all the documents requested by XXXX XXXX XXXX ( Police report from my home residence, sale documents of the property in XXXX ) they sent me a letter in XX/XX/XXXX that the account is not mine. But Convergent Outsourcing Inc. are still trying to mess up with my credit reports. Once a while they re-aged the debts and reported to reporting agencies then took it out after I dispute it. It's happened a couple times & they still tried to call me as recently as last year. Yesterday I received another collection bill from Convergent dated XX/XX/XXXX. I am really sick & tired with these harassments. Please help me to put an end to it & this Company is need to be warned & penalize for abusing my right.

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 2021-11-26
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/2021 I submitted a dispute letter to your company, disputing two student loans that recently appeared on my account out of nowhere. I asked your company to not only investigate where such debt comes from but to send me proof of such debt or to remove such debt as, again, such debt does not belong to me. 

What I received in response was an " account update " email that had no status update attached and I discovered the two student loans account were taking out of dispute status. 

According to the law and per my request via my letter dated XXXX, I asked your company to please verify the debt as required by the Fair Debt Collection Practices Act. The law requires that the bureau be able to furnish who, what when and why as proof of a debt or correct information they are choosing to publish on their platform. Your company did not do that, in fact it seems your company did nothing but dismiss my claim and take the accounts out of dispute. 

The other two bureaus found no baring that these two students loans belonged to me, so I am confused as to why or how only your company was able to find them them to accurate. 

Because your company did not do that what is required by law, you are now in violation The Fair Credit Reporting Act ( FCRA ) that states, if inaccurate information is discovered in a file, the consumer reporting agency must examine the disputed information. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. I am asking that you remove the accounts in question.

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 2017-05-25
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:
ATT OPENED AN ACCT IN  XXXX   XXXX . THIS ACCT WAS WAS OPENED FRAUDULENTLY WITHOUT PERMISSION OF MY INFORMATION. IT IS A CASE OF IDENTITY THEFT. THERE IS NOW A BALANCE SENT TO COLLECTION THAT IS HURTING MY CREDIT REPORT AND SCORE. I AM CURRENTLY TRYING TO FINALIZE A HOME LOAN AND AM UNABLE TO DO SO.     I CONTACTED  XXXX   XXXX / XXXX / XXXX  AND REVEALED THAT THIS ACCT IS NOT MINE. I WAS TOLD THAT THERE WAS AN INVESTIGATION ON IT DUE TO FRAUDULENT ACTIVITY. HOWEVER IT WAS CLOSED. I ASKED FOR IT TO BE REOPENED AND INVESTIGATED TO HAVE IT REMOVED FROM MY INFORMATION AND PULLED FROM COLLECTION. I WAS TOLD IT WOULD TA KE 5-10 BUSIN ESS DAYS TO BE RESOLVED.     I FOLLOWED-UP WITH A CALL TO   XXXX   ON  XXXX / XXXX / XXXX . THIS TIME I WAS TOLD THAT IT WOULD TAKE 21 DAYS TO BE RESOLVED. I TRIED EXPLAINING THAT I WAS TOLD DIFFERENTLY THAT IF THERE WAS ANYTHING TO BE DONE TO EXPEDITE IT SINCE IT WAS EFFECTING THE HOME LOAN PROCESS. " NO '' WAS THE ANSWER, UNWILLING TO EVEN BE FORTHCOMING IF ANYTHING COULD BE DONE.       Collection Agency   XXXX   XXXX   XXXX    O riginal Creditor   XXXX   XXXX     XXXX  Opened Date  XXXX   XXXX ,  XXXX  Balance {$3600.00}

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 2016-05-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
There was a previous reporting on my credit report from tropical financial credit union which was resolved and should have been deleted. When I disputed the item it was then placed back on my credit and I lost almost XXXX points on my credit. Please get this item removed from my credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: Experian Information Solutions Inc.
State: NY
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 contacted experian to dispute something on my report and was given the run around with transfers back and forth and a t one point the representative hong up the phone on me after being half hour on the phone

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 2020-03-18
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midwest Recovery Systems reported a collection account on my credit that I do not owe. I was never contacted nor informed that they had this debt neither was I informed that they were putting anything on my credit. I requested validation of the debt via certified mail. However they have not sent me anything and it's been over 4 months. I have insurance and I don't owe this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
All of the hard credit inquiries were verified in writing to Equifax as " not factual '' and they submitted a letter to have them removed ( to Equifax ) or did not respond to the inquiry from Equifax ( which will also result in removal ). Even after this Equifax will not remove them. 
Equifax 's system is " automated '' meaning no one is actually making inquiries to the validity of the records in disputed item! 
This is just criminal!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have contacted Equifax on numerous occasions and had the landlord contact them to state that the judgement listed on my credit report needs to be deleted. It was not a judgement, it was where I went to court because I withheld rent until repairs were made. I was awarded XXXX and paid the rent as determined by the judge. The way that it is listed on my credit report makes it appear as though they took me to court for not paying rent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My complaint is in regards to my Citi Double Cash card, the charge in question was for XXXX, paid to XXXX XXXX XXXX, on XX/XX/2019. I purchased a pony for my daughter to take riding lessons on, and for XXXX from this merchant. THey promised me a healthy, child safe pony, fit to be a lessons horse, they demanded payment in full before delivering the pony, and I trusted them, so I paid them. They brought a dying, sick, underweight pony that had XXXX!! They refused to refund me the money they had taken from me, and, they refuse to come back and pick up the sick pony. I disputed the charge with Citi baki, I provided all the text messages from the merchant and my XXXX in vets bills showing that they lied and scammed me using deceptive business practices and misrepresenting the pony that they sold me. Citi bank took the merchants word over mine, even though I had proof, and decided to let the merchant keep the XXXX!! This is fraud and theft, and, Citibank did not properly handle this dispute and failed to protect me as their consumer client. I have already spent XXXX vet bills just to make this poor horse comfortable while she dies. I did not receive the child safe, healthy, rideable pony I paid for.

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 2017-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
An unauthorized charge to my credit card was made by  XXXX  and granted by   XXXX     XXXX   XXXX  without my approval. A class action lawsuit has been filed and is in process against  XXXX  for this practice ( see attachment ). Attempts to clear this up with   XXXX    XXXX   XXXX  via the  XXXX  credit agencies have failed. This unauthorized charge has resulted in a reduction in my credit scores of approximately  XXXX  points and has been ongoing for over 7 years.

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 2022-03-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
Opened online Chase Bank Business account on Thursday evening XXXX, deposited CASH on XXXX at Chase branch. 
Then did Chase online bill pay to XXXX XXXX XXXX. Received confirmation of transaction with green check mark. 
Saturday afternoon went online to check account and it immediately locked suspicious activity. Called Chase, 2 hours later, got a call back and spent 25 minutes on phone of being transferred to 2 different persons & then line disconnects. Person found that system had CANCELLED my online payment ; yet never noticed me of same. Had I waited, my annual property insurance would have been cancelled because of Chases actions. 
Went into branch and got my money and closed account. Chases {$300.00} business account offer is misleading as I was compliant yet Chase was deceptive in cancelling my payment without warning nor notification. After all my acvount was open with cash. After all Citizens is a well known insurance company. They called that suspicious activity. Please if theres a class action Atty reading this then contact me at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is an additional dispute being filed as I was advised to do by a member of your team that I spoke to on the toll free number today. 


I recently joined creditkarma.com to begin to rebuild my credit. 

Shortly thereafter, I discovered an account in Collections reported by XXXX and Equifax from XXXX XXXX XXXX for {$470.00} XXXX COMPANYPO BOX XXXX, XXXX do not have an account with XXXX XXXX XXXX and have not since I allowed a cellular contract to expire in XXXX. 

To summarize, I had a XXXX year cellular phone contract with XXXX XXXX XXXX that began in XXXX and the contract expired in XXXX. I did not renew the contract opting to pay on a month-to-month basis. 

So, at that point, I did not have an outstanding balance with XXXX XXXX XXXX and began using " pay-as-you-go '' service until around XXXX when I began " rate shopping '' with other pre-paid service providers. 

I do not know from where these charges originated and have no records of any accounts with XXXX XXXX XXXX for any services of any kind since I changed to other pre-paid service providers a few years ago. 

As I have no accounts with XXXX XXXX XXXX, I have no documents to attach. 

I would appreciate any assistance you can provide regarding this issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
GREETINGS FROM, XXXX XXXX XXXX YOURS : XXXXNEITHER EQUIFAX , XXXX, XXXX. 
# 1 EQUIFAX IN XX/XX/XXXX WANTED A COPY OF DL, XXXX EMPLOYER AND A POF PAPER REGARDING CASE # XXXX {$24000.00} PLAINTIFF XXXX XXXX XXXX. ON XX/XX/XXXX THIS WAS MADE AT THE XXXX COUNTY XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX. AND REGARDING ALL XXXX CREDIT REPORT COMPANIES, THEIR WAS A TIME WHEN XXXX XXXX CREDIT CARDS IN XXXX, XXXX, HELPED THEMSELVES TO REQUEST EQUIFAX XX/XX/XXXX, AND THANKS TO YOUR HELP, THE FTC SENT A LETTER TO THEIR OFFICE IN XXXX, XXXX AND THE CREDIT REPORT COMPANIES HAVE NOT REMOVED IT FROM MY CREDIT REPORTS, EQUIFAX , XXXX AND XXXX, THIS WAS A MATTER DUE TO SSID THEFT. NEITHER OF THE XXXX CREDIT REPORTS REMOVE WHAT THEY WERE TO REMOVE FROM MY CREDIT REPORTS. 
RESPECTFULLY, XXXX XXXX XXXX OFFICIAL SS NAMEHAPPY XXXX TO YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Went to  XXXX  ATMs to make a cash deposit but it says it was unavailable. Made a transfer online as a last resort yest, yet got hit with a {$35.00} overdraft. This is definitely a sca m, Wells Fargo  finds a way to charge {$35.00} even when deposit is made the same day but they change the date to make it post next day.  Wells Fargo  does n't give you advance notice so you can cover your account before you get hit with the {$35.00}. They do whatever it takes to overwidraw your account including removing pending transactions and posting them once your account is under the pending amount without a notice to cover it that day. I posted examples on social media and I will post some more very soon

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 2017-01-09
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was offered an expedited loan modification by the servicer for my mortgage Seterus Inc loan XXXX in XXXX of 2016, I was told that the modification would go through once I made XXXX consecutive payments. I have made all the required payments ( XXXX, XXXX, XXXX ) as well as payments for XXXX, XXXX, XXXX and still I have not received the final document and the modification has still not gone through, I have called the company several times and each time I call I am told that it is being processed -- -the issue has been escalated and yet nothing changes and words on when the process will be finalized

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
Banana Republic Credit Card Services intentionally obfuscates the process for changing your automatic billing. Whenever you try to change your autopay ( no matter how far in advance of the payment due date ), it cancels your your previously scheduled autopay but does not put in place your newly requested payment amount until the next scheduled payment. Banana republic does not clearly inform you that no payment will be taken out on the next payment due date until XXXX day after the payment is due. This has resulted in fees. Secondly, Banana Republic took out XXXX payments this last month : XXXX was the payment I authorized for the full amount due. The other was a separate billing for {$750.00}, which I did not authorize. When I called customer service, they could not inform me why this second payment was taken out. The second billing caused my bank account balance to go negative and caused me to incur an overdraft charge from my bank. Banana Republic refused to refund my money unless I went down to the bank and got them to fax over a form confirming that they had accepted both charges, despite the fact that Banana Republic was crediting my account with both charges. I finally ended up cancelling my card. Banana Republic would not refund the overdraft fee the bank charged me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-12
Company: Santander Consumer USA Holdings Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
this item is listed as " charged off '' and I would like the negative issue removed from my credit report please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
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: Credit inquiries on your report that you don't recognize

Complaint:
After careful review of my consumer report, I noticed inquires from companies that was never granted my approval to obtain a copy of my report. Please see the following inquiries : XXXX XXXXXXXX XXXX XXXXXXXX

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 2020-03-18
Company: EQUIFAX, 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:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for his car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXXXXXX XXXX {$5600.00} XXXX  XXXX {$0.00} XXXX/XXXX XXXX {$3100.00}

Company response to consumer: Closed with explanation