BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-22
Company: EQUIFAX, INC.
State: OH
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 numerous occasions, I have complained about the following accounts that repeatedly show up on my credit report that are inaccurate and were never verified according to the FCRA guidelines 623,611 please remove the following inaccurate accounts : XXXX XXXX XXXX AND XXXX XXXX. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed are not deleted according to the FCRA guidelines 623,611.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: MRS BPO, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
An account that was opened in my name was placed up for collections, this account belonged to my biological father whom I share the same first and last name with. He has used my information in the past to get credit and so fourth, I have since placed him in jail for fraud. I paid this company the balance stated I owed and asked for a deletion, it was nothing but harsh words from that point on. Please bring justice to my name, I literally paid a debt off that didnt belong to me and this remaining on my credit is staining it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: GOLDMAN SACHS BANK USA
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:
My account was paid in full and never late. For Apple CardXXXX Bank XXXX XXXX XX/XX/ 2020 amount {$770.00} and XX/XX/2020 amount {$780.00} was never late and the status of my account is reporting 60 days late, incorrectly!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: CARD Corporation
State: FL
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Unauthorized transactions/trans. issues

Complaint:
On  XXXX   XXXX  I noticed that the money that should be available I my card.com prepaid card was not, went to my tablet, logged on and noticed a whole bunch of charges that were not made by me. I immediately cancelled my card, and submitted a dispute for the charges I did n't make. The charges totaled up at {$530.00} and being a single mom, I can not afford to take a loss that substantial. After waiting a month to hear back from card.com, they not only did n't give me my money back for the unauthorized charges, they re-charged me for  one  of those unauthorized charges. I was sooooo angry, so I started calling the merchants to try to fix my problem from their end and much to my surprise EVERY  one  of those merchants told me that they had already refunded the claim and that I should call my card company. Well I did and not only did they avoid the questions of where is the money now? If you submitted a charge back to the merchant and then was refunded by the merchants, but was n't given to me, whom it belongs to ... where is my money now? The supervisor hung up on me. And now when I call, I ca n't get a live person on the phone. I enter the info they tell me to enter I my touch pad and the automated system sends me in circles until it hangs up on me. Help ... I ca n't believe I was robbed and  XXXX  is n't standing behind their word of taking care of me ... I REALLY needed that money and they are screwing me out of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TN
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
calls me most everyday and has called XXXX a day and has called me a XXXX. When I asked them not to call they told me that if I did that my full mortgage amount would be due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My payment information on my XXXX XXXX XXXX  is not being recorded by Equifax as it is on XXXX  and XXXX. I have contacted XXXX XXXX and they have reviewed and confirmed that the information has been given to Equifax since XXXX of 2012 as it was with the other three agencies. I disputed this with Equifax and they are saying XXXX XXXX is not reporting the information. For some reason XXXX XXXX information is accurate at the other two so why would Equifax be any different. I have attached my Equifax and XXXX  payment logs for proof of what I am saying is the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Block, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I was sent a credit card from CashApp that I did not apply for. I have to activated the card. I reached out to CashApp & spoke with a rep ( XXXX ) to report the fraudulent card. He sent me a questionnaire to be able to look into this further.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
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: Information belongs to someone else

Complaint:
I have identified events involving me as a victim of ID Theft. Someone has systematically used my information to secure credit cards and purchase cars, additionally repeatedly file bankruptcy in my name as a means to discard the debt and direct the attention back to me as the part responsibility. I have provided the credit bureaus with police report and an outline of my details and they have yet responded to my complaint and seek in any real way to fix or even investigate the problem. 

Your help is need to correct this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i deposited a check # XXXX by mobile deposit app and it was held due to funds not being avail at the time it went through ( monday XX/XX/XXXX ) since then the funds were made avail to take ( XX/XX/2018 ) then on Thursday ( XX/XX/2018 ) Wells Fargo cashed the check and removed the funds from XXXX XXXX. on Monday ( XX/XX/2018 ) I realized the money was not in my account i then called customer service and waited on hold for 20 min and then finally reached somebody and tried to file a complaint within the company. I was cut off and call never retrurned. Therefore, I would have to start over so i decided to personally go to a local branch and I waited again. The rep for the bank couldnt do anything and I requested a bank manager which never came and after 1 hour i had to go back to work and left still without resolution. So frustrated that I am unable to make my mortgage payment being due on XX/XX/2018 to the same bank who is holding my money even after they have took the funds from the check issued bank. I had a lot of positive feelings this morning when i woke up and since then the day has become very stressful and im losing pay with time being wasted. The bank automated service asks for acct number- last 4 social AND YOUR ATM PIN NUMBER.. I couldnt believe they asked me for that and they said it was OK because their system is secure not realizing the device im using is not. ( cell phone ). I have never been asked for a PIN number that is not directly typed in by me. I have been banking for a long time and you should never give your pin out verbally or digitally without a 100 % full secured connection. The cell phone make it less than secure and they are putting peoples financial info out for grabs. They already ask for your last 4 social because it is incomplete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have conducted search on my consumer credit report, after carefully realizing I have been denied credit because of what's reporting on my credit report I have turned in an Affidavit to Transunion on XX/XX/2021, citing consumer laws that they have been violating, and did not receive written correspondence back. I never gave them consent verbally, written, orally or telegram to produce negative items on my report that reflects as a risk to credit companies and furthermore it creates a bad reputation for me. I have been discriminated by my character because of the fraudulent invasive practices of Transunion reporting negative furnishings on my credit account that I never authorized them to do so. I ask that Transunion furnishes a written consent that I sent them dated and notarized by the CFO of the company, if they can not do so then I demand that all negative items that have been reported be removed, all inquiries to be removed, all late payments to be removed, and my credit scoring system tool should stay at an XXXX ( which is produced to be a good credit rating according to Transunion ) at all times to continue to show I am in deed a great person of character and to not tarnish my name by reporting inaccurate, and negative information. Under the law this is indeed presumed as identity theft, as I never gave them my permission or consent to furnish these negative bogus items on my credit report.

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681a ( e ), in 15 U.S. Code 1681i ( 1 ) ( A ).

The law states to do what is requested by the consumer, in this case I am requested to have a good credit scoring system of 760 at all times, as well as ALL negative items that reports as negative be removed.

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 2015-08-27
Company: Receivables Management Partners, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The owner of XXXX XXXX XXXX XXXX offered a XXXX month membership for the cost of XXXX months if paid in full. I paid the amount on XXXX XXXX, 2015. The owner closed the business on XXXX XXXX, 2015. I disputed half the amount with my credit card company since I was only able to use the gym for less than XXXX months, being that the owner was in breech of contract of the XXXX month deal. I feel I was deceptively charged since owner knew he was closing gym in XXXX months time as evidenced by the realty company filing an eviction suit against him for non-payment of rent, and settling with him on XXXX XXXX, 2015. My membership was cancelled and I was then sent to collections XXXX week after the gym closed for triple the amount I disputed with my credit card, which is still being investigated. The owner has done the same thing to many other members of the XXXX XXXX gym, and XXXX other gyms he has abruptly closed in the past year. I 've also received immature, nasty emails, texts and messages on social media from the owner. My credit card company recently called me and informed me that the owner rebutted my dispute by saying he was still open for business and I cancelled my membership. I have to now prove that he is indeed out of business to my credit card company. I have several letters proving that XXXX XXXX XXXX XXXX is closed and has been since XXXX XXXX, 2015. Also, new memberships were sold to people after the settlement date with the realty company on XXXX XXXX, 2015, which is fraud since he knew he 'd be closing the gym on XXXX XXXX, 2015, permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Last month I disputed this debt in order to verify it with LVNV funding, they not only failed to comply with my request for documentation, they also have threatened and intimated me into paying this debt on multiple occasions!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: NY
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: MO
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 XX/XX/XXXX and XX/XX/XXXX I submitted a dispute letters to XXXX, XXXX and Experian I have not received a response from either about inaccurate reporting information.

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 2022-05-02
Company: EQUIFAX, INC.
State: MO
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 XX/XX/XXXX and XX/XX/XXXX I submitted a dispute letters to XXXX, Equifax and XXXX I have not received a response from either about inaccurate reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have been receiving recurring charges from TransUnion on my XXXX credit card since XX/XX/XXXX until now totaling {$510.00}. The reason why I signed up in the first place was due to wanting a {$10.00} credit freeze but did not realize that they signed me up for a monthly subscription. 

I have tried to cancel my subscription, but kept getting put on hold until I ran out of patience. I would be on hold for 30 mins to a few hours and being transferred to multiple people. They also do not have an option to cancel the subscription online. 

Trying to cancel the account causes me so much frustration and I just learned this is a tactic that they use to keep you subscribed. 

I am demanding my subscription to be cancelled and that I am refunded my recurring charges from XX/XX/XXXX or at least 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 monetary relief
Consumer complaint received 2015-04-28
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was a victim of internet and money-gram fraud. This scam Artist posed as an out of town homeowner with home for rent in XXXX, Arizona. He had a XXXX profile as well as a XXXX profile. I first contacted " XXXX XXXX XXXX '' on XXXX XXXX, 2015 @ XXXX via text message, stating that I saw his listing for a XXXXbdrm home. He responding back via text asking me to go by the home and see if i like the location. XXXX XXXX then confirmed my email address and emailed me an application on XXXX XXXX, @ XXXX. we continued to emailed correspondence back and forth until he had all of my information needed to rent. We also had been texting and and having phone conversations as well. on XXXX/XXXX/2015 I decided I was going to put down a deposit to hold the house until I received my paperwork to move forward. I made a hasty decision due to not wanting to run out of time. Plus I thought the house was lovely and it was centrally located. I put the deposit of {$400.00}, sent by money-gram on XXXX/XXXX/2015 @ XXXX. The customer service representative asked my for my social security number and my drivers license and a current bill with current address and stated that was normal protocol. I then started to feel like I made a mistake, something was just not quite right. By the time I made it home and did a little research, almost an hour had passed. I then called Money-gram to flag this person which he had already picked up the money and It was too late for me to intercept payment. they stated that He would be flagged in all of money-gram and national database.I then kept in touch with this person and his 'Attorney '' XXXX XXXX XXXX for another 2 days until the contact ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: CITIBANK, N.A.
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
Refinance loan application got declined. 
1. I have excellent credit. 
2. New payment is going to more than the current loan I have. 
3. Mentioned that my loan to income ratio was supposed to be less than or equal to XXXX % but told that it was coming out to be XXXX %. When asked for the basis and calculations, none are provided. 
4. Asked to bring {$7500.00} more to the table, in the lines of origination fee. When I said, i would not, the loan got declined.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: ID
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:
In accordance with the Fair Credit Reporting Act, my rights have been violated. 

15 U.S. C 1681 section 602 A states I have the right to privacy.

15 U.S. C 1681 section 604 A states a consumer reporting agency can not furnish an account without my written instructions. 

Dates of concern are XXXX and XXXXwith concern to hard inquiries from 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 2019-11-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$24000.00} on XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and needs to report a {$0.00} balance. I have attached a copy of the settlement letter dated XX/XX/2019 from XXXX. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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