BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: GA
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:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: AZ
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: Was not notified of investigation status or results

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record

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 2018-09-04
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had problems with this company before, trying to collect and debt they say I owe to XXXX XXXX but XXXX tells me I do not owe, I have {$0.00} balance due. I filed a complaint with CFPB before, and Midland responded via CFPB that they did not contact me, and that they do not collect medical debts. But I had proof of phone calls from XXXX on my cell phone from their company. Sometimes they call 2-3 times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX has been reporting me with an inaccurate information to the credit Bureaus TransUnion, XXXX and XXXX. I sent letters to the Bureaus and to the collection companies requesting an investigation. The account remains in my credit report and have not been fully validated. After 45 days the account was removed from my credit report and now recently, they're reporting the same account that was closed as active. There was No written notice from any of the Bureaus informing me of the result of the investigation. All my communication with them was sent through certified mail and I have proof that the letters were delivered to the correct address. I'm requesting assistances in the verification of the removal of the disputed data 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 non-monetary relief
Consumer complaint received 2017-08-21
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have made a total of 9 complaints on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and responded on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX They had an address on file to be verified and true it took 6 complaints to remove. Seems like noone at this comapny like to do there job as a result I have contacted CEO XX/XX/XXXX and will continue to do so till all false and misleading information is removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Call for help XXXX XXXX XXXX, I was starting a separation/divorce from my now ex wife. She, a former XXXX of Wells Fargo, had taken the role of managing our finances including all bank accounts. I, myself, have had an individual checking account with Wells Fargo since XXXX. On this XXXX day I went to the Wells Fargo branch in XXXX, Georgia to simply open a new account. As I walked into the branch, I stated to the lady at the teller desk that I would like to see the manager. Without my permission, the manager, prior to even speaking to me, sent a message to my ex wife telling her I was at the bank. The manager then came up to me asking why I was there. Immediately she says I can sign and the account will be placed back in my name only. Previous to this date, I was instructed that in order for my ex wife to be removed from my original account, now joint, both parties would have to be present. Embarrassed and feeling upset by this treatment, I signed the documents presented by the manager and left. I have complained to upper management, wrote emails, but I was treated as a joke. I am in financial ruin as I now can prove my ex wife, along with others have funneled money through mulitiple accounts over a span so far of two years. This has been made difficult to prove actually as Wells Fargo bank, since my first request in XXXX XXXX continues to deny me access to my own bank statements. I feel that Wells Fargo has assisted in my financial ruin. Why cant I find anyone to take just a extra few minutes to look closer? Why have I been shut out and denied my rights to my own information? Anyone can see that I am being discriminated against and not treated as a costumer of any bank should. I pray you can help. At this point, I dont know what else I personally can do. As I sit now just days away from loosing my XXXX parents home, I wonder when will someone take just a small amount of thier time to offer a helping hand in solving this matter. sincerly 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 non-monetary relief
Consumer complaint received 2019-11-25
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received 3 emails today from Synchrony regarding a credit builder card that I never applied for. No text in the emails, the subject lines were A trial deposit has been successfully made to your Amazon Credit Builder, ( twice on that one ) and Action required on your application. I have an Amazon store card from Synchrony, but did not apply for a new one.  I don't need credit building. When I called Synchrony, after they finally transferred me to a person, the message came on that they were not able to help at this time and to call back at a later date. Then they hung up.

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 2022-07-06
Company: Tenaglia & Hunt, PA
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a settlement from Tenaglia & Hunt for {$2900.00}. I paid on the due date online ( I have receipt ). The money was never taken out of my account. I have contacted them 57 times for the last 2 months, leave messages with the person in charge of my account and other management. I have stated I am at work and can we please set up a time to connect to resolve this matter. Of the the 57 times I called, I have received 4 call backs where they leave messages to call them back. I call back within 5 minutes and the same cycles starts over. I was finally able to make contact with XXXX once and explained I paid and emailed him the receipt. We said I know own the {$3900.00} or full amount in four payments. I asked to speak to his supervisor or manager. He said he will put in the request which two weeks. I have not received a call and now get sent directly to voicemail. I would like to settle this situation and thought I already did but they continue to spin me in circles with no resolution in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
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 repeatedly disputed several items on my report that are either not mine or inaccurate. This has been going on for almost 2 years now with no resolution. I have submitted documentation both by mail and fax on multiple occassions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: TMX Finance LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
The insta loan payment app makes no sense says payment due to renew on a particular date XX/XX/XXXX is XXXX dollars a week later the same thing says to renew on the XXXX is now XXXX it changes day to day but is worded in a molesting way. I have since been put in leg braces due to my XXXX. I have for days told insta loan that I would relinquish the car to them with no answer. I found this odd since they would start calling for payment a day before my due date and 2 to 3 times a day on the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: FIDELITY CAPITAL HOLDINGS, INC
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted XXXX XXXX XXXX. My initial call was made over 30 days ago in late XX/XX/XXXX. This collection agency has 2 duplicate charges from XXXX XXXX in XXXX KY on my credit report, that I requested to get removed. One for {$3900.00} and the other for {$3800.00}, both with a principle balance of {$2600.00}. I was advised that the duplicate could be removed after a 30 day investigation, even though the rep that I spoke with advised that they placed the charge on my credit report twice himself. Both charges hit my Credit report in XXXX on in XXXX and the other in XX/XX/XXXX. XXXX XXXX also placed the account in collections with National security systems as well, so in actuality I have 3 marks on my credit for the same exact thing. I have contacted XXXX and XXXX as well and seem to be getting nowhere with the removal of these charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Cash Express, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
XXXX was the lady who set up my flex loan and payday loan. I had only met her through lending relations. I had been making payments promptly as required. I work full-time at a similar company and as needed at XXXX XXXX. I work at XXXX XXXX usually around the busy holidays and special events such as graduations. XXXX XXXX XXXX weekend I worked Friday evening, Saturday night, and all day that Sunday. I was confronted by XXXX 's husband XXXX. XXXX is the Cash Express employee who processed my loans. XXXX 's husband, XXXX, works in the XXXX at XXXX XXXX. I rarely see or speak to him even when I am working due to his position. However, XXXX XXXX XXXX weekend when I worked he approached me saying, " I did n't know you knew my wife? '' I asked who his wife was and how I 'd know her. XXXX stated, " You owe my girl money! '' I laughed and told him to shut up. He stated, " I 'm serious. '' I asked how I owed his wife money. He said " My wife is the XXXX woman at Cash Express. '' I told him I did n't owe them anything. He said, " Oh, you must have paid them off. '' I told XXXX to leave me alone and walked off. He laughed and said, " We all broke around here ''. After XXXX XXXX XXXX weekend, that following Monday, I was due for my payments at Cash Express. I  received two calls from the XXXX XXXX XXXX location but I did n't answer. The calls persisted for 2-3 days. I assumed they deposited the check and it returned back to them. I received a call from a different number that was n't one of their store numbers ; maybe a personal number. XXXX stated her name and I told her I was going to do a Debt Consolidation to pay the two accounts with them off and that I did n't want any communication with her after the call. She stated her company does n't work with payday consolidation companies, I said okay. She said she will be taking me to court and hung up. I was never going to make a complaint on anyone or the company itself, but when she verbally threatened to take me to court and now I 've received court papers, I have no choice. My privacy was invaded and personal information was given to someone that should 've never known about it. I know the lending laws and I do not approve of how she shared customer information with her husband regardless of him working at a job I work at here and there. I am very distraught about the whole situation and having to report a business for something that should 've never gotten out of hand!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I sent a letter off on XXXX XXXX. Here is my tracking # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my personal information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2022-01-20
Company: EQUIFAX, 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:
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 2022-01-20
Company: EQUIFAX, 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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
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: Information belongs to someone else

Complaint:
There's an account on my credit report that is not mines, it has me as an authorized user inwhich I have no knowledge of, and I would like this account removed immediately. The account in question is XXXX Card, with a XXXX credit limit.

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 2022-01-20
Company: Experian Information Solutions 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:
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 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 2020-12-23
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While trying to get the supporting documents that gives this company the right to report this debt to the credit bureaus like I was told from the first representative. During our conversation I was told that he would email over their document but first I had to open an investigation than after he would email it to me. However once he got information he claimed that he couldn't send the information because the item was under investigation and a different department has to handle it. I than asked to be transferred to a supervisor where I asked the same question and how long the process would take. The Supervisor than stated it would take however long they want take and that if I was not trying to pay the debt he was going to hang up because he has other customers waiting to pay them because me receiving that information was not important.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: EQUIFAX, 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: Account status incorrect

Complaint:
On XX/XX/2018 I called XXXX XXXX customer service line to have my balance and close my account because I was transferring my balances to my XXXX XXXX. The Customer service representative gave me the amount of {$610.00} and told me that if they were any over payment they will send me a check. On XX/XX/2018 I paid the balance that I was informed {$610.00}. On XX/XX/2018 XXXX XXXX submitted a check of XXXX for the over payment ( I attached a picture of the check to this reclamation ). Recently I received a call that I owe money to the credit card company. I explained to over 5 different representatives my situation and they were very rude and didn't want to deal with the situation. Now they informed the credit bureau as they say I am delinquent. This situation is turning very stressful as they are affecting my credit and don't want to even check the proof that I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  XXXX  is a completely fraudulent Co. ever since the onset of the loan, they have dealt in nothing but shady practices. Then ended up taking the truck that was financed. 

Upon trying to get everything straight with them I was told that if I paid the balance in full, they would remove the trade line from my credit reports. They have not to this date. I have called, and basically got mocked, and laughed at because of their trickery, and immoral business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXXl is a completely fraudulent Co. ever since the onset of the loan, they have dealt in nothing but shady practices. Then ended up taking the truck that was financed. 

Upon trying to get everything straight with them I was told that if I paid the balance in full, they would remove the trade line from my credit reports. They have not to this date. I have called, and basically got mocked, and laughed at because of their trickery, and immoral business practices.

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 2018-09-04
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Each time i file a complaint with your agency if tip off the people i'm complain n about then they harass me. 

If you can not do your job them send the complaint to the FBI As a XXXX Veteran the company XXXX XXXX XXXX has attempted to extort, defraud and lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
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:
I sent a letter off on XXXX XXXX. Here is my tracking # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my personal information to third party people. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation