BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-26
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I tried to call and get the payments I made during the COVID Federal student loan pause. I waited on hold for 6 hours and then was disconnected. I tried again and was on hold for 3 hours, and no one answered. XX/XX/XXXX was the last day to ask for a refund on payments made during the student loan pause.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Equifax Information Services XXXX XXXX XXXX XXXX, Ga Dear, Equifax Information Services Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : XXXX XXXX XXXX XXXX Account Number : XXXX is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Penn Credit Corporation
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have been harassed by Penn credit corporatatuon for a debt I dont owe on. Im called almost every single day being told that I need to XXXX Pay or else! Ive asked for statements and they wont give me them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
Heritage home loans discriminated against me and my families loans and needs. From the very beginning of the loan we always felt like we werent getting fair treatment. They hardly communicated with us, took forever to answer back when they did and they were applying for programs without giving us a heads up or explaining them to us. I had applied with this company for a loan thinking I would get a usda loan and they told me I didnt qualify because income limits so they applied for XXXX XXXX for me which I appreciate, but they never communicated this with me that this was there planor explained to me how it works. So I finally got ahold of XXXX  with my friend XXXX XXXX on a 3 way call ( they work together ) and I was upset because lack of communication. Thats when XXXX let me know very clearly that doing this loan meant nothing to him because he was only making a few XXXX dollars off of my loan. Said he was only doing my loan because I was friends with XXXX 

I told my real estate agent all this and he asked me to get a second opinion on a loan. So I did and I found out that I do qualify for usda and that will save me a lot of money each month. The branch manager XXXX found out about this and contacted me through text and said he was withdrawing my loan. I asked him not to and he told me he doesnt play back and forth games. And told me he didnt have to do my loan. He did this because it was a way out of just doing my loan. It wasnt worth his time. He discriminated against me and my families financial and economical status. Now I am left with no loan on the table and I was suppose to be closing on this house XX/XX/XXXX The company that I found out I qualified for usda didnt have a loan secured for me just yet. It was still in underwriter review and still is. So hopefully I can get it because if I cant Im out all that money on the inspections and earnest money. 

He violated many rules and regulations. And I would like something done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: NY
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:
Reporting on XXXX  : Address is incorrect Never lived at this address. 
XXXX XXXX XXXX XXXX XXXX XXXX  CT 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 2022-11-20
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX XXXX has violated my rights. 


XXXX XXXX XXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX A Creditor May not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Atlanticus Services Corporation
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
My soon to be ex-wife took out several credit cards and loans in my name and left me with over {$30000.00} of debt. I currently have several collection agencies trying to get money from me and my credit score is horrible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Climb Credit Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is showing Climb credit has me paying 30 days late, but I've been on auto pay since we started the loan. This is the 2nd time they've reported I was late when I have not been.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Self Financial 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 is missing that should be on the report

Complaint:
Over XXXX year I sent {$4800.00} per month to Self Financial for a credit builder account. I completed that program successfully after 12 months. As well, I applied for a VISA account with Self Financial which was granted ; however, over the last 12 months Self Financial has neither reported my Credit Builder Account nor my VISA account to my XXXX credit bureau and in result of that, my credit bureau with XXXX is far lower than my other credit scores. Repeatedly over 12 months, not less than XXXX times, I have approached Self Financial. They refuse correct this matter and keep sending me back to XXXX telling me that depending upon where I got the information it may be inaccurate to the credit bureau. That is false. Both on the XXXX website and XXXX XXXX through my bank, powered by XXXX, the accounts are not report. My VISA account number is XXXX and the credit builder account as follows : XXXX Account XXXX and CD XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: SYNCHRONY FINANCIAL
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:
I have been contacting Verizon and Synchrony credit card for months. Verizon requires I use Synchrony verizon card to get a monthly discount on my wireless bill. Synchrony continues to overcharge me and add late fees besides. Verizon says I owe one amount and synchrony says another. I am caught in the middle and have made an endless number of calls but can not resolve this despite reps actually talking to synchrony on the phone while I am on the other line. Synchrony is cheating me and when I pay the amount verizon says I owe, synchrony charges a late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: DE
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:
I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
15 U.S. Code 1681c2 - 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; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

the information was not requested to be blocked in error or a block was requested by the consumer in error ; also this the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; and before receiving any good and services My information is a result of identity theft before I the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 


PLEASE SEE ATTACHMENTS

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 2023-07-13
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022 at XXXX XXXX I made a payment via cashapp of {$20.00} for work that was done, as soon as I made the payment they shut the recipient cashapp account down. The recipient never received payment recipient is blocked & locked out of account so payment was not received. I requested my return and was denied for 14 months the sender XXXX XXXX along with recipient XXXX XXXX have been ignored, told repetitive tales, I don't have the money the recipient don't have the money and cashapp has expired the account and refuses to give me back my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Ive just recieved my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. And in accordance to the FAIR CREDIT REPORTING ACT, XXXX account # XXXX, XXXX, XXXX, XXXX, XXXX, and as well as a fraudulent address XXXX XXXX XXXX XXXX XXXX, IL XXXX has vio ; ated my rights 15 USC 1681 602 A states i have the right to privacy 15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent If you have any questions or concerns i can be reeached at 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 non-monetary relief
Consumer complaint received 2023-07-14
Company: WELLS FARGO & COMPANY
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX XXXX I was notified that a late payment was added to my Wells Fargo account. I made these payments but they were not processed by my external account properly. I intended to make both these on time payments without knowledge that they were not made. I contacted the company in hopes to correct the standing of my account as I am in the process of buying a home. No response.

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 2023-06-15
Company: Experian Information Solutions Inc.
State: FL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 2023-06-21
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
I have sent in three dispute letters to AMEX and all three credit reporting agencies ( XXXX, XXXX, and XXXX dated XX/XX/23, XX/XX/23 and XX/XX/23. XXXX and XXXX have removed this account however XXXX alleges they verified it and will not remove it. 

This account is not my account nor am I an authorized user on this account. 
The account is reporting open ; for whom? Who is the account holder? Who is the authorized user? 
AMEX had violated my rights reporting an account that is not mine. They also did not respond to me in over 90 days which, is a FCRA violation for FCRA requires disputed item to be validated within 30 days or removed. 
Due to the delay in removing this erroneous account, it is causing me a hardship and has my credit score lower than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: WELLS FARGO & COMPANY
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:
in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-03-01
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: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these accounts. 

XXXX XXXX Bankruptcy 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 explanation
Consumer complaint received 2022-02-26
Company: Experian Information Solutions Inc.
State: IN
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 been disputing some errors and incorrect elements that are in my credit report since XX/XX/2021 and so far the credit bureaus have not given me an answer.

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 2022-11-20
Company: Credit Control, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was charged-off with the IRS by original creditor, which was XXXX XXXX XXXX XXXXy Bank admits to selling the debt to CREDIT CONTROL , LLC. XXXX XXXX also admits to no longer pursuing the debt, so there is no debt to pursue as my ending ledger balance with them is {$0.00}. 
However, here enters an interloper, CREDIT CONTROL , LLC, unauthorized to contact me, with demands for me to pay them a debt not owed to anyone, much less them because we have no standing contract in place, and never did. I have never heard of them but they call and harass me constantly as well as send numerous letters. 
I have written them to dispute this debt, and also requested validation as that is my right, and have yet to hear from them. please notify them that they are in violation of the consumer protection laws, and see that I am justly compensated for my hardship. 
Thanks!

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 2022-11-20
Company: ACIMA CREDIT, LLC
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The loan was a very big amount for a pair of glasses and it was between covid times, i XXXX fired and sick and this loan really impacted my credit score.

Company response to consumer: Closed with explanation