BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-04
Company: LD Holdings Group, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have no clue how to pay our loan. We have tried to contact loan Depot multiple times and just get transferred around to tons of people. No one can find our loan or find any existence of any loan we have ever had with loan depot. We have made 2 loans with them. One currently and they can not find it for us to pay on it. We were promised that all loans of our type are service by loan depot and never sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31
Company: EQUIFAX, INC.
State: AR
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 applied for a credit card and I got denied. I was not told the reason why I got denied. I went home and decided to get a copy of my credit report on XXXX  XXXX and I saw various items that had been open. These items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report. 

DPT ED/XXXX  XXXX {$1000.00} DPT ED/XXXX  XXXX {$1000.00} DPT ED/XXXX  XXXX {$1700.00} DPT ED/XXXX  XXXX {$2000.00} DPT ED/XXXX  XXXX {$2000.00} DPT ED/XXXX  XXXX  {$4500.00} DPT ED/XXXX  XXXX {$4500.00} DPT ED/XXXX  XXXX  {$6000.00} DPT ED/XXXX  XXXX {$2500.00} DPT ED/XXXX XXXX  {$4200.00} DPT ED/XXXX  XXXX {$1900.00} DPT ED/XXXX XXXX  {$12000.00} DPT ED/XXXX  XXXX {$2000.00} DPT ED/XXXX  XXXX  {$3500.00} XXXX   XXXX  XXXX {$420.00} DPT ED/XXXX  XXXX  {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Colony Brands, Inc.
State: NV
Product: Credit reporting 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 checked my credit report, bcs I received an email about a new inquiry, when I checked this morning, I noticed several hard inquiries and other soft ones started that I did not authorize, so I called XXXX XXXX XXXX XXXX, and they informed me that a credit card was in their institution, which means one for each bank ( XXXX and XXXX XXXX ), they informed me that they have cancelled the credit cards, and an investigation was going to be performed and that they will email me the findings, aka credit card fraud. XXXX ( XXXX ) provided me with the email address of the person who opened the CC in their bank, which is XXXX, and that is all she can provide me. The other bank, XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ), indicated that they can not provide me with any information of the person who opened the credit card using my ssn, etc. XXXX XXXX informed that the credit card this person opened already has a balance over $ XXXX, the other bank did not provide this info. I still have a list of other places, I need to call. I will be calling the other companies tomorrow, which are : ( 1 ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX Date of credit report inquiry : XX/XX/XXXX  ( 2 ) XXXX XXXX, XXXX XXXX XXXX XXXX, WI XXXX Date of credit report inquiry : XX/XX/XXXX   ( 3 ) XXXX, XXXX XXXX XXXX XXXX, OH XXXX Date of credit card inquiry : XX/XX/2023 ( 4 ) XXXX 's XXXX and XXXX XXXX Credit Card Services cancelled the credit cards, but I will continue monitoring my information regarding credit inquiries in the three cree bureaus. 

I already put a freeze in XXXX and complete the freeze for XXXX and XXXX tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: MI
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:
after several interactions of trying to get two accounts removed because i never gave consent for them to report it they still remain on which is illegal.

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 2023-04-23
Company: Bread Financial Holdings, Inc.
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX has continued to send me documentation that does not validate my contract. On XXXX XXXX XXXX XXXX sued me for an alleged debt they are claiming i owe, previously I have contested all facts, asking to verify my writing signature on said contract, or one between myself and XXXX XXXX XXXX, they have never produced anything. I have sent this company letters to please provide proof, they have never done this, they have ignored all my efforts to settle this matter, as they can not show my contract to collect this alleged debt. I have sent cease and desist letters to stop all communication, however they are only sending more. I have received packages in my mailbox, for the same unverified information, they have never provided. I have been a victim of intense harassment, as well as intimidation. This needs to stop at once. I have contacted the AG office to make a complaint as well, this Junk buyer has wrecked havoc on my family for 2 years filing lawsuit, and claims that have never been proven.. yet they are still trying to send me collection paperwork, as well as suing for a debt they have absolutely nothing to do with.. I will be following up with bar grievances, on this attorney who has absolutely XXXX knowledge or claim to allege debt. 
I have all copies of correspondence I have sent this company, asking to provide my written consent and contract, which they have never done, they turn around and sue me. This company know that Im working under XXXX as well, as all efforts to resolve should be done in arbitration.. yet they are continuing to collect and harass by mailing. This needs to stop at once

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-16
Company: EOS Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
EOS CCA aka Collecto Inc, of XXXX XXXX XXXX XXXX, MA XXXX has illegally re-aged a debt that has been defaulted on and reported on my credit report ( by their own admission ) since XX/XX/2017. EOS CCA has illegally re-aged this debt on two separate occasions. Which on both separate occasions my credit score has decreased significantly. 
I have also contacted XXXX  for a copy of my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Experian Information Solutions 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 went to apply for a auto loan and was denied because of my credit. Upon further review and setting up a XXXX XXXX account I noticed several accounts that did not pertain to me and that I have never even had. I believe someone has used my identity to get these cards. They report as XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  and XXXX  XXXX XXXX. There is also a collections for the bureaus which I have no idea what that is. Please help me get this corrected because I need a car for me and my family.Thank you.

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 2023-09-04
Company: CL Holdings LLC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is reporting a credit card debt on my credit report and refused to give me any information that associates my identity to this collection, nor have they provided any contracts, statements or evidence that supports what they are reporting and it is damaging my credit score. I have requested that they send me debt verification that links my identity to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
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: Account status incorrect

Complaint:
XXXX XXXX XXXX is reporting my student loan account as derogatory. They are reporting late payment from XX/XX/2017 which was declared illegal to report transactions history to credit bureau. This account should be discharged due to the school I went to is listed on the fraud list XXXX XXXX . I disputed this several times with each credit bureau.

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 2020-02-16
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My husband and I purchased a XXXX XXXX on XX/XX/2019 and got financing via the dealership. I noticed in XX/XX/2019 that the extra money we were sending to principal was actually being applied to the next months bill. I emailed the company and told them to correct this and to apply any extra money that I send in the future to principal. They corrected it and informed us that we would need to send 2 separate payments each month in order for this to happen. So for the XXXX and XXXX payment we did but yet they still applied it towards the next months payment. I then emailed them again and they said to call them as they would not correct it. I then proceeded to call them and was told there was no way I could pay towards the principal other than to call every single month, once the payment was posted. This would take 2-3 business days to apply for them to apply it correctly which then causes more interest to accumulate. When looking over my loan documents it says absolutely nothing about this. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Why are you indicating that Wells Fargo Card Services XXXX has a past due balance of {$19000.00}? How is this even possible? I have attached XXXX documented proof that this account has a settled balance of {$15000.00} & should have a current balance of {$12000.00} due to a payment made on XX/XX/XXXX, XXXX I demand that you update this account or delete the account immediately according to 15 USC 1681e ( b ). 
Why are you reporting a derogatory mark in XX/XX/2023 as " Charge Off ''. This is incorrect because a payment was made on XX/XX/2023. I demand that you updated this account and mark this account as current for Wells Fargo Card Services XXXX? I demand that you update this or delete the account immediately according to 15 USC 1681e ( b ). 


Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 


I am entitled to a 100 % accurate credit report according to FCRA law. How is this account accurate if you are reporting the wrong balance, and an incorrect derogatory mark? You must provide me with an answer of why you are reporting this. 


I request that you MAIL your investigation results to the address listed above. I have attached a social security card, drivers license, and passport that proves my identity and my only accurate address. 


DO NOT MARK THIS AS FRIVOLOUS OR A DUPLICATE.

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 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021

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 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 have sent multiple letters about addresses and names that are incorrect on my credit report. XXXX on XXXX then responded XX/XX/2022 with them leaving incorrect information on my report. The only address that should be associated with my account is XXXX XXXX XXXX XXXX XXXX XXXX and name 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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 non-monetary relief
Consumer complaint received 2023-01-08
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Improper Use of my consumer credit report This is a third party company trying to collect on a debt that does not belong to me, I am not obligated to pay the debt to this party, I dont have a contract with this company.

VIOLATIONS violated my rights to Privacy15 USC 1692 15 USC 1681 Section 602A Ignoring my Demand to Cease And Desist all actions and communications concerning this company and all company 's under RESURGENT CAPITAL.

These accounts have been sent to three different companies since I have demanded the stoppage of all actions as you will see attached below. 
Did not give me accurate time to dispute these accounts before adding them to my Consumer Credit report Dates are on the attachments to prove they had no intention of allowing me the right to dispute this account thus voiding my RIGHT TO PRIVACY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX is reporting my student loan account as derogatory. They are reporting late payment from XX/XX/2017 which was declared illegal to report transactions history to credit bureau. This account should be discharged due to the school I went to is listed on the fraud list XXXX XXXX . I disputed this several times with each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Colony Brands, Inc.
State: SC
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 Opened XX/XX/XXXX Updated XX/XX/XXXX XXXX XXXX  Opened XX/XX/XXXX Updated XX/XX/XXXX I have tried to contact both of these companies in reference to fraud. I have never opened or used either of these accounts. When speaking with Customer Service, she updated my personal information that I used to verify who I was. The crediting report agencies will not remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Victoria Secret credit card account is reporting inaccurate information. A dispute was initiated with XXXX. The account information was still not corrected. The incorrect reporting shows missed payments for XX/XX/XXXXXXXX  and XX/XX/XXXX. Now, the account is also reporting a missed payment for XX/XX/XXXX. The monthly payments also change back and forth from $ XXXX. to $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account Number XXXX, Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

All Rights Reserved

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 2023-09-08
Company: Early Warning Services, LLC
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I bought XXXX XXXXXXXX XXXX convertible from a dealership in Florida called XXXX XXXX in XXXX XXXX. I paid the gentleman through bank transfer and zelle a total of {$6600.00} for the price of the car and the transportation. He did not send me the car with the {$650.00} I sent him he kept the money. Waited 2 months to ship me my title. Never received the bill of sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are incorrect Late Payments listed on my Credit Report, below is the company information. 

XXXX XXXX XXXX XXXX : XX/XX/2018 2018

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