BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2019-10-18
Company: Atlanticus Services Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX th of of this year fortiva closed my account and failed to notify me in the thirty days register under the credit card act of 2009. XXXX a manager admitted on a phone conversation there negligence of fortiva. But he did not care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I bank with Wells Fargo. I get the following emails every 2 weeks. I have tried in person and over the phone to solve the problem. I 'm concerned that multiple accounts were opened or that there 's a privacy problem. 
Wells Fargo suggested that I add XXXX additional emails to my personal email system to fix the problem, rather than solving the problem on their end. Although I only have one email address on file with Wells Fargo, I continue to get these emails. 


Subject : Unable to deliver email From : Online Banking XXXX/2017 XXXX Contact Us We were unable to deliver an email to you We could not deliver a message or alert to your email address. If this address is incorrect, please update your contact information. 

To receive account statements or tax documents online : You must have a valid email address in order to receive your statements or tax documents online. If we can not successfully deliver your notification that your documents are ready, we will have to send your paper notifications or documents via U.S. Mail. 
If you have questions, we are available 24 hours a day, 7 days a week at XXXX or by secure email. 
If you are a guest user, please contact the account originator to request your email be updated. 
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 2022-12-15
Company: EQUIFAX, INC.
State: AL
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:
There was a problem with my separation from the USPS and they rectified it by deleting everything from XXXX and XXXX but left one of them on Equifax DEPARTMENT OF TREASURY XXXX XX/XX/22 shows as open account and should have been deleted altogether

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am filing an official complaint against ARS Account Resolution. They are not putting this collection back on my account, when they sent me written verification that the account was closed and they would remove it from my credit report. If it had not been for me checking my credit this morning I would not have known this. They are in violation of the FDCRA as I have asked them in the past to give me the written contract with my signature on this as well as a signed  HIPAA  Release form. If this account and all subsequent accounts from ARS Account resolutions are not removed from my credit report I will take legal action. If this company can not provide a signed contract, a signed  HIPAA  release form stating I gave this provider permission to share my medical information then I am asking they be investigated for violation of the FDCRA. I notified them in writing many times and they are now in violation.         Credit Items ARS ACCOUNT RESOLUTION  S Ad dress :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  No phone number available Account Number :  XXXX  Original Creditor :  XXXX   XXXX    XXXX   XXXX   XXXX  Address Identification Number :  XXXX  Status : Collection account.        Status Details : Th is account is scheduled to continue on record until  XXXX   XXXX .   This item was updated from our processing of your dispute in  XXXX   XXXX .       Date Opened :  XXXX  Reported Since :  XXXX  Date of Status :  XXXX  Last Reported :  XXXX  Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility :  Individual Credit Limit/Original  Amount : {$580.00} High Balance : NA Recent Balance : {$580.00} Recent Payment : {$0.00} Payment History :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX   XXXX   XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX   XXXX  Account History : Collection as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  Your Statement : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ).

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX Account # XXXX XXXX Account # XXXX XXXX Account XXXX XXXXXXXX XXXX Account # XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX, XXXX Account # XXXX XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
TRUIST bank ( formally Suntrust account ) allowed someone to cash a check made out to me and cashed it against my checking account and the check was returned to them by the maker of the check and therefore they took {$2800.00} from my account. When I received the notice dated XX/XX/2022 on XX/XX/2022 I immediately called the FRAUD department that evening and told them that I have no idea who the company is and that I did not cash any such check against my account, have never seen the check before nor had it ever been in my possession. They advised me to go to my local branch and fill out the proper paperwork. On XX/XX/2022 I went over to where I do my banking and dealt with XXXX XXXX, the Branch Leader and we proceeded to complete the documents, including an Affidavit of Fraud, signed and notarized, that she said was needed to get an investigation started. The Case # given was XXXX and said that they would contact me in 2 days. On XX/XX/2022 I went into the bank again and advised XXXX XXXX that I had not heard anything, and she called the fraud department again, and again they said that Supervisor would be in touch by XX/XX/2022. No one ever called but I received a letter that stated my claim was denied and that if applicable, evidence would be provided. Since that letter, we have continued to try to reach someone at the fraud department and request this so-called evidence that they have that is causing my case to be closed. I did not, have not and never did receive any funds from this check nor did anyone I know receive any funds from this fraudulent activity against me. It is now XX/XX/2022, and XXXX XXXX has not been able to assist me to get my money back and no one has contacted me. I called today XX/XX/2022 and spoke to XXXX in the fraud department again to get the evidence that determined their findings as well as XXXX XXXX filing a complaint and she stated that she would, once again, get a supervisor to call me by XX/XX/2022.

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 2017-04-18
Company: WELLS FARGO & COMPANY
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Received a loan fro m Wells Fargo for fur niture 0 % interest for 18 months. I paid the amount in full PRIOR to 18 months. Upon apply for a car loan I find that they placed a bad credit reference against me for {$4.00} I have contacted them twice and each time I am told that the loan is paid in full and they do n't know why there is {$4.00} on the account or why it was reported to the credit bureau. They said each time they needed 10-14 days to investigate. My bank  (   XXXX  ) in the meantime has made an auto loan to me at an interest rate double of what I should be paying.  XXXX  states that if I can get a letter from  Wells Fargo  they would reduce my interest rate.

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 2017-04-21
Company: McCalla Raymer Leibert Pierce, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was behind on my mortgage and called the mortgage company to make a payment on  X/XX/2017   . I was told at that point that I could not make a payment with them, but I needed to contact  XXXX ,  XXXX ,  XXXX ,  XXXX  regarding a reinstatement quote. I immediately called them and was told that I needed to send in writing that I was requesting a quote. I sent them an email on the same day  X/XX/2017   . I received an email back from them the same day stating that they could not find my account. I never heard back from them again until  X/X/17    when I was served with a summons for foreclosure. Again, I contacted the mortgage company and  XXXX  's office regarding the payments that needed to be made. I was told again to send an email requesting a reinstatement quote ( as it had to be in writing ). I sent the email on  X/X/17   , this time with no response. I followed up with the mortgage company about a week later, who stated that the lawyers office forwarded them the quote email and they replied back the same day with the total amount. I called  XXXX  's office on  two  separate occasions having to leave a message both times with no contact back. I finally sent my  3rd  reinstatement quote request on  X/XX/17    by email again. This time I received an email by the end of the day, with all fees and costs quoted, but with an deadline to pay by  X/XX/17   . They gave me a 4 day deadline to pay close to {$10000.00}, and this is AFTER I was already told twice by their company that I would have 30 days to pay reinstatement from the date that the quote was given to me. I feel that if  XXXX  's office has responded when I first sent the email back in  XXXX , or even the second email the beginning of  XXXX  there would be more time to resolve this issue as supposed to 3 days before I am supposed to respond to a foreclosure summons. I also feel that 4 days is an unreasonable amount of time to try to pay back fees, especially when I was already told twice that I would have 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
After an hour on the phone with Comenity, who manages Ann Taylor XXXX  XXXX, it turns out there was a system upgrade which resulted in omission of a XXXX statement. This led to all customers having A LATE FEE assigned to them in the XXXX statement. Billing cycle closes on XXXX of the month and any charge after XXXX shouldve appeared on a XXXX statement if there had actually been one issued. The company had no explanation, no offer of how they were, if at all, going to mitigate this issue for customers. It took me insisting on speaking to a supervisor to get the late fee removed from my account as the first person didnt have authority to do this. I have never missed a payment in FULL in my life and this excuse of theirs is inexcusable and I am filing a complaint with CFPB.gov especially on behalf of the countless others who may not be aware or able to advocate for themselves.

I wouldnt have even noticed this if I hadnt dug in because I automatically pay my credit card bills whenever they come into my checking account but obviously XXXX was nonexistent which led to XXXX problem. Supposedly this is not yet reported to credit bureaus but Im upset over the principle of the matter and the companys cavalier attitude. That is certainly no way to operate a business no less one that involves ones finances! 

Bottom line is the late fee is not my fault but company error for which they have NO PLAN to rectify. Theyve credited me the late fee and interest but theres no way of knowing whether this will impact my credit score nor should it even get to that point.

Be aware. Comenity Bank clearly does not have any plans in place to protect their customers. They have no accountability and I do not trust them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-31
Company: Ad Astra Recovery Services Inc
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a collection of a payday load. I did not know at the time but since my husband was in the military at the time they should not have given me a loan with a 300 % interest rate in the first place. I have already paid the principal back plus 6 % ( my husband was activated to the XXXX so I qualify for XXXX XXXX. This collection agency continues to try to collect and has put negative information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: SECURITY FINANCE CORP
State: OK
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 was going to get a loan for a vet bill and when they told me the interest rate I told them no thank you that I do not want their loan I'll just go to my personal bank and they ran my credit anyhow without me signing anything or giving them permission

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 2019-10-18
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2019, I XXXX XXXX XXXX, disputed an account reported by XXXX XXXX. I was informed in XX/XX/2019, that the item was deleted from all of my credit reports. I have recently discovered XX/XX/2019, that a collection item has been re-inserted by an entity known as XXXX XXXX XXXX who has illegally reported a collection on all three credit bureaus. I have NO such business dealings with this company and ask they provide signatures stating that we have an agreement. I request that the collection item be removed permanently from Equifax, XXXX and XXXX XXXX credit agencies immediately as my credit has suffered from this form of identity theft. 
Again, I have had NO such business agreements with XXXX XXXX XXXX and demand swift deletion off all of my credit reports. The next step will be legal action against this entity and the bureaus that continue to report this fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
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: Investigation took more than 30 days

Complaint:
I am attaching a copy of the letter I sent to Equifax on XXXX XXXX. Over two months have passed, and I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted identity theft reports and police reports as instructed but Equifax refuses to remove these two items : Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$160.00} Amount {$200.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments COLLECTION ACCOUNT Contact XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX. 
Original Creditor Name XXXX XXXX XXXX XXXX Assigned XX/XX/XXXX Original Amount Owed {$170.00} Amount {$0.00} Status Date XX/XX/XXXX Status PAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification RETAIL Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Comments RETURNED CHECK Contact XXXX XXXX, XXXX. 

XXXX XXXX. XXXX XXXX XXXX ( XXXX ) XXXX Which are the product of Identity theft and in fact colluded with XXXX XXXX to give them my current address and phone number so that they can re-list the fraudulent debt as a new debt. 

Equifax has refused to remove this information 4 times even though the other two credit reporting agencies have removed it right away.

Company response to consumer: Closed with non-monetary relief