BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Below listed are accounts that appears on my credit report that doesn't belong to me.I have not given anyone access to nanny of my personal information to apply for credit cards or loans in my name. 


1 ) XXXX XXXX XXXX -opened XXXX XXXX amount {$1700.00} 2 ) XXXX XXXX opened XX/XX/XXXX amount {$440.00} 3 ) XXXX  XXXX XXXX opened XX/XX/XXXX amount {$420.00} 4 ) XXXX  XXXX XXXX XXXX opened XX/XX/XXXX amount {$5600.00} 5 ) XXXX XXXX opened XX/XX/XXXX amount {$1900.00} 6 ) XXXX XXXX XXXX opened XX/XX/XXXX amount {$15000.00} 7 ) XXXX XXXX XXXX opened XX/XX/XXXX amount {$12000.00} 8 ) US DEPT OF EDUCATION opened XX/XX/XXXX amount XXXX 9 )  DEPT OF ED/ XXXX opened XX/XX/XXXX amount 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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint to TransUnion result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. Now, I would like to ask for your help to get rid of these items or have TransUnion get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX Balance : {$97.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/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 2021-04-19
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo Home Mortgage has refused to extend my XXXX forbearance plan for my Fannie Mae Mortgage. Fannie Mae has allowed borrowers to be in forbearance for up to 18 months. Wells Fargo has refused to extend my mortgage for the additional 6 months as required under the Federal Housing Finance Agency ( FHFA ) extensions measures to align COVID-19 mortgage relief policies across the federal government. I need additional mortgage forbearance because of my ongoing COVID-19 hardship.

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 2022-03-09
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Back when Navient was Salie Mae I had received a call about repaying my loans and since I wasn't working I wasn't able to pay them. I received a harassing call from the center saying I had to pay and they wouldn't get off the phone. I spoke to a man who was extremely aggressive and said that he would reach out to my mother, who was a guarantor. My mother ended up paying the lump sum, which was {$10000.00}. But this was so unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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:
My identity was used to open up several accounts fradualently, police report is available. 
Please remove all listed accounts from my credit report.

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 2022-09-06
Company: EQUIFAX, INC.
State: MD
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TD BANK US HOLDING COMPANY
State: OH
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:
On XX/XX/XXXX, the company I worked for used my personal credit card to make purchases from XXXX and XXXX instead of my business credit card, unintentionally. When I first noticed the charges on my personal card I reported them as fraud, not realizing what had happened. Once I realized the error, both companies were paid with the correct company credit card. I contacted TD Card Services to tell them that the charges weren't fraudulent, but still made in error. Rather than continue my dispute of the charges they closed the dispute and put the charges back onto my personal credit card. For months I called to inquire about the credit being placed back on my card. On XX/XX/XXXX, per TD Card Service 's request, I faxed them the receipts from each company that clearly show that my personal card was charged, then returned to my personal card and paid with the company credit card - yet still the credits were not put back onto my account. Recently, they told me there was nothing they could do and to contact the merchants for a refund. In doing so, both merchants told me that they accepted the chargebacks in XXXX of XXXX and that my credit card would have to return the funds since they no longer had them. I provided this information to TD Card Services and continue to call them regularly - each time I get a different response. Some say they can see in their system where the chargebacks were accepted by the merchants and that I am due credit, promising escalation of my dispute to supervisors. Some tell me that they can not help me because my dispute was closed. Since this all began in XXXX of XXXX, I have been paying interest on the {$4700.00} that was charged to my card as well as over limit fees. Again, some calls to TD Card the representatives assured me all of these would be refunded, some have said that after the dispute is resolved I can request those be refunded from customer service, and some telling me there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Synchrony Bank : XXXX XXXX XXXX XXXX. XXXX, XXXX , UT XXXX ; owns the following account Credit Cards : Walmart , Chevron , XXXX, and J.C. Penney . I am the victim of Identity Theft and Computer Hacking. The F.B.I. sent this information to all my creditors, however, Synchrony Bank is ignoring the fact that all my money is gone because their Cyber Security is inadequate when it comes to Identity Theft. My payments were either partially taken or fully taken in transmission from my financial institution to these accounts. Synchrony Bank calls me non-stop beginning at XXXX. None of the employees calling has he authority to make arrangements with me on any of these accounts. I made arrangements with the Walmart employee to pay {$25.00} a month, but now that 's not acceptable. Not only that, But on XXXX, Synchrony checked my Credit Bureaus ratings for no reason, and lowered my limits on the XXXX card, and the J.C. Penney Card, which has no balance at all in 1/2 or more. By doing this, Synchrony lowered my FICO score even more and for no reason at all. I need help in dealing with these cards, because Synchrony wo n't even take the F.B.I. 's findings good enough to stop the harassment. Also, Synchrony, continues to charge interest and late fees to these accounts.

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 2022-09-06
Company: EQUIFAX, INC.
State: IN
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:
This was not sent in error. I am a consumer by law and my info was misused and I now have some false not 100 % accurate accounts and information on my credit report. 

I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did research myself and found inaccuracies on my credit report even after they said they did research. In Accordance with Fair Credit Reporting act the following accounts have violated my rights XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX DPT EDXXXX Account # : XXXXXXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX Also 15 U.S.C 1681 Section 602A says I have a right to privacy and Section 604 A Section 2 says a consumer reporting agency can not furnish an account without my written instructions and consent as well as the right to opt out! I was not given the opportunity for my information to not be shared and I'm demanding removal of these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Contacted this company first on  XXXX   XXXX  and was informed that they ca n't mail reports and they can only email them within  15 to  21 days from the date. I contacted them again late  XXXX  to be informed that they emailed it to me late  XXXX  and I should have received it. I am confident that no report was sent. They claimed again that they will investigate and email another report within  3 wee ks.I informed them that based on other customers complainants who after months could n't get a clear answer or a report from them to mail it and if I can get a reference number ... they declined and provided this number ID  XXXX  stating that this is the only way to look up my file. Again today late  XXXX  ... still have n't received anything from them. Called and informed them to mail it to me, to my surprise ... they stated that a supervisor will call me back ... still waiting on the report. This company is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: JPMORGAN CHASE & CO.
State: HI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Wish to file an official complaint against the following Debt collector XXXX XXXX XXXX XXXX XXXX. 
for years of harassing me to collect a debt that was already discharged, this company has been an alliance with Debt collector XXXX XXXX XXXX harassing and terrorized me for decades. 
Attached are the constant never ending letters that it deeply effects my mental capacity just wondering what these people are after for if Chase bank n XXXX XXXX XXXX  already released my mortgage debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: ME
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:
This company keeps putting missed payments to keep putting on my report. Also company broke many laws I was never notified of a repo my ex wife was supposed to take over payment. Never was notified when it got repoed to have a chance to but it back up. Now was closed in 2017 but they keep trying to add different close dates to keep it on you can see two different dates on the report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Kriya Capital, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt was from XXXX mobility and I had dealt with it about a year and a half ago with another debt collector and I thought it had resolved but the debt was sold to another company. I went through an investigation with XXXX mobility and someone had opened a phone account in my name and they said that they couldn't prove it wasn't me although the addressed it was opened with is not one I am associated with. They said I was still responsible for the money ... 

I have never had a mobile device or account with XXXX mobility. someone had to have stolen my identity to open this. 

Now it is coming back with another debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent all three credit bureaus a letter that they were reporting inaccurate and incomplete credit information and that i needed to see verifiable proof. They are not complying with regulations based on my request for an investigation.

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 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
This company keeps putting missed payments to keep putting on my report. Also company broke many laws I was never notified of a repo my ex wife was supposed to take over payment. Never was notified when it got repoed to have a chance to but it back up. Now was closed in 2017 but they keep trying to add different close dates to keep it on you can see two different dates on the report

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 2021-05-05
Company: AMERICAN HONDA FINANCE CORP
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 status incorrect

Complaint:
American Honda Finance is still showing a closed and settled account on my XXXX  credit report from almost 8 years ago. The account has been settled and is not showing on either my XXXX or XXXX  reports. I have spoken to both Honda and XXXX  and both representatives are telling me it is up to the other to remove the account from my report. 

The account was opened in XXXX of 2013. XXXX  nor XXXX  required any action on my part due to the account being settled and being over 7 years old. So, I am not sure why XXXX will not just remove the account from my report and is asking for Honda to provide proof the account is settled when my report clearly states that the account is closed and settled. This is causing a XXXX point difference between my XXXX ( XXXX XXXX, XXXX XXXX XXXX XXXX, and TXXXX XXXX XXXX XXXX scores. The ONLY difference in all three reports is the Honda account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Transunion is reporting a debt by a company named XXXX XXXX. I have never done business with this company before, I have no signed contract with this company. I am not liable for this debt in the amount of {$140.00}

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 2020-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 : On XX/XX/XXXX, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products. 
this could be it XXXX  : This post was inspired by my comment exchange with a site reader about negotiating a settlement with a XXXX credit card that is now in the hands of a collections law firm. My comment would have been too lengthy a reply on the page the discussion originated, and this is also something that is not all that topical to the Debt Relief Program Intro page. What follows is food for thought not just with XXXX Card, but with creditors like XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX to Pay {$32.00} XXXX for Illegal Credit Card Practices. ... " The CFPB 's track record, and this result today, shows strong and consistent action against credit card companies that dupe consumers into buying a product they do not want. '' XXXX XXXX XXXX the XXXX XXXX XXXX sued XXXX XXXX XXXX an XXXX California car dealership, alleging that the dealer fraudulently and unfairly attempted to trick a consumer into paying for a vehicle she had no legal obligation to pay for. 

XXXX XXXX XXXX XX/XX/XXXX - Customer 's car-buying process can be taken advantage of by the car ... Non-Disclosures car dealerships are required by law to disclose ... For example, a car dealership may lie and say the vehicle has been ... XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has been hit with the first of what could be many federal ... In a complaint filed late Monday in XXXX XXXX federal court, the plaintiff ... XXXX XXXX XXXX, U.S. District Court, XXXX XXXX XXXX California, No.

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 2018-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
RE : Capital One This bank has refused to investigate any of my disputed transactions. 

These are the dates and amounts of my disputed transactions : XXXX XXXX- XXXX XXXX XXXX , XXXX US Posted Date : Saturday,XX/XX/XXXX Transaction Number:XXXX Amount $ {$87.00} XXXX XXXX- XXXX XXXX XXXX, XXXX US Posted Date : Tuesday, XX/XX/XXXX Transaction Number : XXXX Amount : {$40.00} XXXX XXXX- XXXX XXXX XXXX, XXXX US Posted Date : Tuesday, XX/XX/XXXX Transaction Number : XXXX Amount {$24.00} XXXX XXXX XXXX XXXXXXXX XXXX Posted Date : Monday, XX/XX/XXXX Transaction Number : XXXX Amount : {$61.00} XXXX XXXX  XXXX XXXX XXXX Posted Date : Monday, XX/XX/XXXX Transaction Number:XXXX Amount : {$140.00} XXXX XXXX  XXXX XXXX XXXX Posted Date : Monday , XX/XX/XXXX Transaction Number:XXXX Amount : {$26.00} XXXX XXXX XXXX XXXX XXXX, XXXX US Posted Date : Monday , XX/XX/XXXX Transaction Number:XXXX Amount : {$68.00} XXXX XXXX XXXX XXXX, XXXX US Posted Date : Tuesday, XX/XX/XXXX Transaction Number : XXXX {$1.00} Amount : {$83.00} XXXX XXXX XXXX XXXX, XXXX US Posted Date : Monday, XX/XX/XXXX Transaction Number : XXXX Amount {$140.00} XX/XX/XXXX - {$43.00} - XXXX XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX XXXX XX/XX/XXXX - {$600.00} - XXXX XXXX XXXX XX/XX/XXXX - {$500.00} - XXXX XXXX XXXX XX/XX/XXXX -  {$500.00} - XXXX XXXX XXXX I can not get them to investigate these fradulent transaction nor will they give me provisional credit. I have given them ample amount of time to do something. I continue to get stonewalled with a boilerplate communication which have nothing to do with the transactions. Please help me in anyway you can. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I sent out a a request for an investigation for my credit report to Equifax, XXXX, and XXXX. They are not complying with regulations based on my request for an investigation. I have not received any type of investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION AND I ALSO HAVE ENCLOSED COPIES OF THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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