BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Since XX/XX/XXXX, each and every month thereafter through XX/XX/XXXX, I have disputed the following via Certified Mail to both the Credit Bureaus AND XXXX XXXX requesting updates to the incorrect information on my Credit Files ; and to date, no response from either the two Credit Bureau and / or from XXXX XXXX XXXX : : TRANSUNION : a ) XXXX XXXX Acct No. XXXX b ) XXXX XXXX Acct No. XXXX XXXX : a ) XXXX XXXX Acct No. XXXX b ) XXXX XXXX Acct No. XXXX I request that the said Credit File Information be updated accordingly or t provide an account payment history ; and to explain why XXXX XXXX rejected over 80 payments from XX/XX/XXXX throughXX/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 2022-08-09
Company: EQUIFAX, INC.
State: LA
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, 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 response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: EQUIFAX, 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:
While recently getting my credit report to quality to buy a house, I noticed that there was a derogatory item from XXXX XXXX ( XXXX XXXX XXXX ) indicating the account had gone to collection and {$1200.00} was due. When I disputed the information online on XX/XX/XXXX, Equifax said it began an investigation. Equifax responded onXX/XX/XXXX they the debt had been certified by the debt collector and my credit report will remain unchanged. I have never had an account with XXXX XXXX ( I have always had XXXX  ). When I called XXXX XXXX to look into the account they had an address for me on a street where I never lived. This is not my debt and it is extremely unfair that Equifax only did a cursory investigation before ruling against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I HAVE TRIED TO DISPUTE CREDIT INQUIRY WITH TRANSUNION DO TO ME NOT APPLY FOR ANYTHING IN THE PAST, 2019 WAS THE FIRST YEAR I BEGGING RUNNING FOR INQUIRY. THEY HAVE NOT MADE ANY CHANGES, KNOW THAT I AM TRYING TO APPLY FOR DIFFERENT THIS IS HENDERING ME FOR FINANCES. I HAVE HAD TO PLACE IDENITY AND FRAUD ALERT ON MY ACCOUNT IN THE PAST 2 YEARS AND THEY HAVE HELP ME DUE TO ME BEING A VICTIM OF INQUIRY ON MY CREDIT

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 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 disputed these accounts 3 times they have yet to remove these accounts that are not my 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 2021-04-17
Company: DRS Financial LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received an alert from XXXX that my credit score dropped and it was because I owed Capital Collections Services {$410.00} from an account with XXXX XXXX. I had already paid XXXX XXXX directly. XXXX was to notify Capital as we discussed. I disputed this on XX/XX/XXXX with XXXX. The response to my dispute was received on XX/XX/XXXX, Capital reported that the information was accurate that I owed them {$410.00} and was still unpaid, they also change the date of when the charge was placed on my credit report to XXXX back dating it, for which I have evidence they have done this with emails, and screenshots from XXXX. They have committed fraud. I will be contacting an attorney if this is not resolved, removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am attaching a copy of the investigation request my husband and I submitted on XX/XX/XXXX. Over 30 days have passed, and we have not received a response yet.

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 2018-04-28
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
CitiBank and other large banks have taken it upon themselves to unfairly restrict access to credit and other services by companies I do business with. Specifically, companies that have anything to do with firearms and related products. On one hand, my taxes, and taxes paid by these same companies, paid for a huge bailout of Citi and other banks, to supposedly save them. On the other hand, they are unfairly targeting these companies, trying to hurt them specifically, to cause them to fail. That is inconsistent with constitutional protections of my, and their, 2nd amendment rights. This needs to be called out, and stopped.

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 2017-06-27
Company: Experian Information Solutions Inc.
State: NJ
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 Credit Reporting error I have contacted XXXX XXXX XXXX and have received the letter confirming that the account was closed and there are no issues. Please remove this from my credit file. 
XXXX XXXX Opened XXXX Reported XXXX Hi. Credit {$200.00} Credit Limit {$200.00} Thanks 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 2019-11-30
Company: CITIBANK, N.A.
State: FL
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:
This account was opened in XXXX, 2019. It was used only once to purchase {$45.00} worth of mulch at XXXX XXXX 's XXXX, MA location. The account number is XXXX XXXX XXXX XXXX. 

After having not received a bill or the card itself, I called and notified XXXX XXXX that the card was lost or stolen and that no bill had ever been received. 

I subsequently learned that the statements and card had been sent to a wrong address. Despite several calls, at least four, over the next few months, the address was never corrected properly and statements, or the card, were still not received. 

In each of these calls I was told there would be no finance charges or fees. While credits have been put on the account they do not keep up with the finance charges and fees charged which are being levied on finance charges and fees. That should be illegal. 

I paid the bill in full for the amount of the goods purchased on XX/XX/2019. Their representatives take notes. This is all in their records and was so acknowledged in conversation with me. 

The last call was one month ago to point out that the address was still wrong and the interest and fees still on the statement. Again, I was told they would be removed. 

I also asked that they correct the information being sent, wrongly, to the credit rating agencies. The response was that I should call each of them and dispute the account. When I pointed out that it is their responsibility to fix their errors I was put on hold for a supervisor. I am still waiting. That is the second time that happened, the first was when I called and offered to allow a direct debit to a bank account to pay for the initial charge. Their representative could not tell me what that amount was and put me on hold to wait for a supervisor. I am still waiting. 

I have endured inept service, a lack of common respect, harassing calls and damage to my credit score. I would like written confirmation that all of this has been corrected, including rectifying the credit bureau reporting. 

I also sent a letter last month. The answer was non-responsive.

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 2021-04-17
Company: GOLDMAN SACHS BANK USA
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Apple Card is refusing to open an account for me because they can not verify my identity supposedly. I have been a victim of identity theft and I am under the military act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
All three of the credit reporting agencies claim there is some problem after I gave them all of my information and created accounts. Yet, they direct me to their websites to sign up for paid services. Their listed phone numbers to call for help don't actually allow you to speak with anybody, and you have to have a membership to receive support. 

I think this is deliberate. I should be able to request a copy of my credit report through XXXX and ONE of the agencies systems is working. 

The entire thing is down, and the credit agency systems I'm directed to are gamed to get people to sign up for paid monitoring. 

They further claim that they can't get any information on me, which is ridiculous, since I know have items on my credit.

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 2022-09-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Home Mortgage said I was behind on my loan for 6 months and when file for bankruptcy XX/XX/XXXX they should have given all information need to bring loan current amount they given was {$4500.00} to be paid through bankruptcy. I paid Well Fargo payments XX/XX/XXXX - {$470.00}, XXXX/XXXX/XXXX - {$470.00}, XX/XX/XXXX - {$470.00}, XX/XX/XXXX - {$250.00}, XX/XX/XXXX - {$220.00}, XX/XX/XXXX - {$480.00}, XX/XX/XXXX - {$24.00}, XX/XX/XXXX - {$21.00}, XX/XX/XXXX - {$400.00}. 
XXXX XXXX XXXX XXXX first payment was on XX/XX/XXXX - {$80.00} second payment was on payment on XX/XX/XXXX - {$480.00} and continue payments. 
Well Fargo said they did not receive payment from me during that period, I have my bank statements to show I did. Well Fargo is part of the organization with XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  for XXXX XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX law firm all have had a role in deceiving me with my loan with XXXX. They paid {$4500.00} but did not put payment complete on website

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 2021-04-17
Company: BAM Management US Holdings Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 XXXX I sent XXXX BNB from my Trust wallet address to my binance.us app address. It said it was successful in my trust wallet but the funds have still not been deposited into my XXXX account. Also on XX/XX/2021 XXXX am I sent XXXX XXXX from same Trust wallet address to the same binance.us app address. I still have not received those find either. I submitted support tickets with XXXX customer support and have only received automated responses saying they received my request and that they are sorry for the delays. Those are the only responses I have received and have not received my funds yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: Harris & Harris, Ltd.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The accounts are medical debts that do not belong to me nor did I have knowledge of them, I submitted documents to verify my identity to the collection bureau with no results

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
When I first opened the credit card I had a higher limit. They dropped my limit which caused my credit to drop as my account appears now maxed out. They said I have to do another credit check in order to increase it again. Now I had a fraud on my account and card. I called to change the bank account. My account was passed due and they never told me on the phone. I have a bank account set up to take it out every month its NEVER LATE!! My auto pay was not set up. Im not working I pay only {$30.00} min payment. The account is over the limit. $ XXXXThey expect me to pay double the min payment plus another {$85.00} to make the account not over the limit. When they dropped my credit limit to begin with. They are not going to correct their incorrect credit reporting unless I do this. I spoke to supervisor on the phone. They have no courtesy to fix for a customer who has never been late. The calls are recorded. I called to make sure my new account has auto pay set up. They didnt do it over the phone. Now my credit shows 60 days past due. Plus late fees!

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 2022-09-04
Company: Affirm Holdings, Inc
State: PA
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 Affirm IncXXXX XXXX and XXXX, has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
.I have sent over certified letter asking XXXX to verify this debt they refuse to send me anything regarding this matter or debt. I have sent numerous letters to XXXX to let them know that they did not verify this debt, they are misrepresenting verifying this debt because I have not been able to locate anyone. XXXX are stating that they verfied but that is not accurate. Under the FCRA they are suppose to validate this debt which they refuse to tell me how they have verified this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX is a company I've never used before and tried to get removed a couple of years of ago not sure what to do to get this debt removed the account shows opened in XXXX 2022 now and ive definitely haven't had XXXX XXXX XXXX  since or even before than

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My Social Security Number was used to open up a credit card Barclay bank I didn't not open or give anyone permission to open up this credit card it was opened on XX/XX/2019 and has a balance of {$4100.00} This account was opened Fraudantley 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 2021-10-08
Company: Io, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been disputing this account on my credit because it is clearly inaccurate. RECEIVABLES MANAGEMENT SYSTEMS has been assessing interest, penalties, and fees on my credit, which is prohibited under the FDCPA. They also have never sent me any information in the mail, despite my requests, which is a violation of the FCRA. I am tired of having to fight an account that is so flagrantly illegal! Please assist me any way you can!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I do not recall giving permission to XXXX XXXX to release my medical information to a third party. Medical services rendered are not equal to fees charged in the amount of {$2000.00}. This issue was inquired about and disputed in XX/XX/2022. Dispute was closed with none of my inquiries being addressed. 


Please provide a breakdown of fees including any and all collection costs and medical charges Please provide a copy of my signature with the provider of service to release my medical information to the third party

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 am having a lot of trouble with the credit reports because the fact there is things on my report that should not be there. 1st is XXXX credit card i paid this than it was taken off. Aprox. a year & few months later it's put back on. After my house was broken into and set on fire. I lost everything not once but 3 separate times has my house be set on fire.. I understand its not your fault but I'm telling you this because I have nothing. I did not get a new XXXX credit card. 2nd is a XXXX XXXX they want me to pay for something that I did not authorize and disputed right when I noticed it on my account. It took the money I had in the bank & over drafted my account. 3rd. There are some other things that I didn't do. I was one of the people who info got stole when XXXX  had a data breach

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 2022-09-04
Company: Atlanticus Services Corporation
State: NC
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:
XXXX, XX/XX/2022. XXXX $ I called company told them I was Very XXXX and was out of work, I would do what I could but pls dont put dilquent payment on my report,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation