BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-23
Company: SOUTHSTATE CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The first thing happened was the XXXX changed the price of the mortgage from XXXX to XXXX The change was because of my land the land was already paid for. I retrieve some documents off line and it stated that the reason for the change was because I had a large lot oceanfront and rural area. I dont have an oceanfront. The other thing was the builder had me to quit claim my land to her and she sold my land back to me. The builder that built the house did not give me all my square footage when she built the house is small and not worth what she sold it to me for. The documents thats on line and the contract is not what I signed and they forged another one. I didnt get any of the paperwork that is on line at closing. I had to pay about XXXX cash and my land I feel like I was robbed because of the documents show the someone lied on the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting 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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-16
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I do not know why i am not able to open an account but if I owe anyone i will pay it I just want to open an bank account to save money and build credit someone tried to deposit fake check in wells fargo account making it close account down i have the proof it wasnt me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: VA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX   My employer is XXXX XXXX XXXX ( XXXX  ) I found addresses that do not belong to me on my credit report please remove the following:XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX   , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX  I have included my ID ans SS info for proof of address.

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 2018-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
They are reporting account is open ... The account was closed on XX/XX/2017 ... They are re-aging account and reporting inaccurate and invalid 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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the 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 2022-03-23
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: Credit inquiries on your report that you don't recognize

Complaint:
Yes i was taking a look at my credit report and noticed these two inquiries on my Equifax credit report that i do not recognize the first one is XXXX XXXX  the inquiry date is XXXX Second one is XXXX XXXX XXXX  XXXX XXXX is XXXX the actions that were taken by the company was simply for me to call you guys or submit one of these.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : Midland Credit Management continues to call and harass me after I have ask them several times to stop calling in violation of 15 USC. 1692 ( d ) 5. 
Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Fraudulent accounts XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent inquiries XXXX XXXX XXXX  date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX  date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX XXXX date of inquiry ( XX/XX/2022 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: NPAS, Inc.
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I went to XXXX XXXX XXXX for an MRI. I was told at the time of service that my total due for the co-pay for the service was {$200.00}. That was a lot of money, but I had a neck injury and had to have the test. I paid the {$200.00} co-pay that was requested, which XXXX XXXX has acknowledged. 

Months later I received a bill from XXXX XXXX for {$1200.00}. They told me that they quoted me the wrong price at the time of service, and that I owed them that {$1200.00}. I explained to them what happened and that there must be a mistake. They agreed to look into the situation further. A month later they got back to me and said I owed them {$1200.00}. We did this 4-5 times, each time telling me they were sorry for THEIR mistake, admitting their error, but essentially saying sorry, but I still had to pay. I explained each time that I never would have agreed to pay for that test, I couldn't have. I explained repeatedly that it was their mistake, and what they were doing amounted to a bait-and-switch for service payment, which was essentially illegal, an no one I spoke to cared. 

Then XXXX XXXX sent the payment to collections, and I have been getting 2 phone calls a week for months. This is harassment, and for a debt that I do not owe, because of mistake XXXX XXXX made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Innovis
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX My employer is XXXX XXXX XXXX ( XXXX ) I found addresses that do not belong to me on my credit report please remove the following:XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX I have included my ID ans SS info for proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: IL
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:
In XXXX and XX/XX/XXXX, my account was closed because of fraud on my checking account associated with XXXX  XXXX XXXX. I was unaware of the fraud immediately, but when I became aware that my statement was inaccurate, I locked the account and it took more than a month to resolve the fraud because I had to come into the office in person. When I did we realized that in the process of getting this resolved I had missed a credit card payment. The only payment I had ever missed with XXXX  XXXX XXXX. They reversed the fee right away and I moved on from the incident. Now I am looking to buy a house and all three credit bureaus show that I have a 30 day late payment on my account. I tried to resolve this in XXXX of XXXX and never heard back from XXXX  XXXX XXXX and the credit bureaus never heard from XXXX  XXXX XXXX as well. I called again on XX/XX/XXXX and they apologized that the information entered in XXXX was inaccurate. I was told they could fax me a credit dispute letter within XXXX hours and that I was all set. I called after 48 hours because no fax had been received. During this call I was told that the XX/XX/XXXX call was also inaccurate and that instead my case is being considered by their review team and that it would take XXXX business days before they would even have a resolution and that I would have to call them to check on the status or else I could wait another XXXX weeks for the letter to arrive in the mail. 

Countless times I have asked what I did wrong or why I need to prove that I deserve this to come off my credit report when I was the victim and the only answer I have received is that if I setup autopayment it will show I am committed to not letting this happen again. I just want to buy my first home and I worry that I will be out thousands of dollars for XXXX  XXXX XXXX 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: TMX Finance LLC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
TitleMax is calling me about someone elses dept. Someone used my name and number as a refference without my promission. I've asked them several time to do not call me because I didn't give that person promission to us me as a refference, but they still keep calling me almost everyday asking me to contact the person that owes them money and have them call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
As a merchant XXXX ), I processed a charge of XXXX through my credit card proccesor Square on XX/XX/2021 for services provided to XXXX XXXXOn XX/XX/2021, the charge was disputed by the customer, stating services not provided. Upon receipt of the customer 's dispute, Square deactivated my account. However asked for evidence to challenge the chargeback. I submitted support documents to establish services were provided ( promotion media, service agreement, emails, credit card authorization ). Square debited my bank XXXX. 
The customer submitted a copy of an email sent to her guest, advising the event was canceled due to low participation and their creditt cards would not be charged as her evidence. Yet failed to admit to her bank she was in fact the client not a guest.This fact should have been clear by the service agreement I provided. The chargeback was schelued to be determined XX/XX/2021. On XX/XX/2021, I received notification from Square the chargeback was decided in the customer 's favor, Not understanding how we lost the dispute, I requested Square to provide the case number and a copy of the challenge they presented to the customer 's bank. Square has advise they can not provide the information I requested. I personally believe Square didn't challenge the dispute and that is why it was decided in the customer 's favor. I want to file an arbitration with XXXX but I can't without the dispute case number that Square refuses to provide. If they acutaly challenged the disput, there isn't a valid reason not to provide the case number. This by all accounts is deceptive practice. Additionally, due to my account being deactived, I can not access Square by phone. 
I lost XXXX for their failure to honor their professional resposibility. I'm requesting your assistance to resolve this matter. I'm requesting Square to provide full disclosure respective to the dispute of XXXX ( merchant ) and XXXX XXXX ( customer ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: ID Analytics, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
This should serve as a written notice to Sagestream that I XXXX XXXX wishes to put a security freeze on any information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: EQUIFAX, INC.
State: TX
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:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX  XXXX  XXXX XXXX   XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX  XXXX  XXXX XXXX   XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: Clarity Services
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, I submitted a faxed request to Clarity Services Inc to place a security freeze on my file. On XX/XX/XXXX, I received a response back stating that they didn't have my social security card to verify my identity. When I submitted my request, I submitted a copy of my bank statement, drivers license, social security card, and my bank statement with my address that matched my Drivers License. I need for them to place the security freeze on my consumer file asap as I provided the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A purchase was made for an item using my Apple CC on XX/XX/22 totaling {$750.00}. The online item wasn't available due to being out of stock and I was notified the following day. I reached out to Goldman Sachs which administers the Apple CC accounts to let them know. I asked if they could assist with the charge so I wouldn't be charged for the item at payment time when my bill was available to allow payment on the remaining balance. They said that a dispute was the only way they could assist and That I would get a provisional credit until the issue was resolved. The dispute would have to be in my favor or the amount would to charged back to my account. The vendor provided a refund the next day. Which should have zeroed out the amount but a few days later I received an email stating that the dispute was not in my favor and they charged my CC for the amount of {$750.00} and I owed that amount for an item I never received.

Company response to consumer: Closed with explanation