BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 issue is an existing problem which credit bureaus weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. All they gave me was a paper print out stating the account was verified. This is against the FTC Law and payments were sent timely on this account and was never late..CFPB step up and fix this error Reverse the late payments on 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 2023-05-03
Company: Amsher Collection Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On the XXXX of XXXX I noticed a collections account on XXXX  XXXX for a XXXX account I never opened. I disputed it through XXXX XXXX and it said that the I formation obtained was correct which it is not. There is a debt of {$3200.00} something and I never opened that account. It went to collection through amsher collecton services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, 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:
To whom it may concern : I recently received a copy of my credit report and found proof that Equifax is illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$4300.00} This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. 
I HAVE INCLUDED A COPY OF THAT REPORT AS EVIDENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit 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 dispute was accepted by a PayPal Credit customer service person. The amount was {$45.00} paid to XXXX via PayPal Credit . XXXX sent the wrong size. The order was sent back immediately upon receipt but I keep getting the run around from XXXX. 
The representative was given the tracking number for the return. I was advised that a dispute would be processed. However, on XX/XX/2021, PayPal sent me an email that the dispute was invalid because the purchase was not performed via PayPal/ Pay Pal Credit. The notification is a lie. Pay Pal Credit did process this payment. It appears that I maybe experiencing discrimination. PayPal Credit did pay XXXX for this order which has been returned and I am disputing via PayPal Credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-09
Company: Experian Information Solutions Inc.
State: AL
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 consumer credit information is being illegally shared by banking institutions and third party institutions, companies to credit reporting agencies and the credit reporting agencies are causing defamation of my character. The accounts being shared are XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX. I the Consumer have rights according to the The Fair Act Reporting Act consumer laws. This law governs everything that anything that gets reported to my consumer credit report, I the consumer determines what is to be reported and what is not to be reported to my consumer credit report. I did NOT give any banking or third party institutions, companies consent or permissions to share my personal consumer information. 15 USC 1601 states banks and institutions are supposed to protect my consumer information and not share unless I give consent. 15 USC 6801, 1602, 1603 law clearly states ( A ) Before you report my consumer person information, you have to inform me. ( B ) Before you report my consumer person information, you have to inform me and I have to respond with a yes or no response. ( C ) If I answer NO, you are required to inform me on what I need to do to insure that you dont report my personal consumer information obtained by banking or 3rd party institutions. Disclosing OR sharing nonpublic personal consumer information to banking, institutions, affiliates and nonaffiliated third parties is completely illegal according to the Fair Credit Reporting Act Consumer Law. In accordance with the Fair Credit Reporting act, my rights have been violated and I demand the immediate removal of any negative items, late payments that was shared to personal consumer credit report without my permission. Continued unsubstantiated reporting of my personal consumer information to third parties may provide a basis for formal complaints being filed pursuant to federal institute. Within 30 days of this notice, either remove the negative trade line notations from my consumer credit reports, actions which contraindicate evidence of your intent to abridge one or more civil rights. I have contacted my local Congressman to have your deceptive and fraudulent documents promptly forwarded to the Federal Trade Commission, Attorney General and the Postal Inspection Service For further scrutiny. Please remove all negative consumer personal data, IMMEDIATELY!

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 2023-12-07
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
my taxes and insurance is escrowed. company changed the escrow requirements way more than was required and did not properly notify me on more than one occasion. My payment has been ach through my bill pay for XXXX. They changed the amount due and I was not properly notified and when my payment was sent in like it always does, on one instance they returned the payment, another instance they blocked the payment from the bank and the other time they collected the payment and had it sitting in suspense and did not apply it to my account. So instead of calling or emailing or sending a letter saying the payment amount received was incorrect and applied but is still short they just blocked it or collected it and put it in suspense which is basically " limbo '' and made it seem like I neglected in paying my mortgage and subsequently charged me late fees and reported the 3 late or missed payments to my credit which the 3 instances now are costing me a refinance that I am now trying to get done but cant because i have 3 negative hits and no matter how I pay my balances down to XXXX for everything else it still wont get my credit worthiness 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 2019-03-28
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2019 I called to settle a debt with the company. I verified my information and corrected my address since they had my old address. I then settled my account. After I finished I asked about settling my significant other 's account. I gave his name and said the debt would have been under the same address. I was told they could not discuss his debt nor take a payment from me for his debt. Four weeks later, I have a letter from the company in regards to his debt. If I'm not mistaken it was stated that the information obtained from me was to be used solely for the collection of my debt. Instead, it was used to up date his account to collect his debt. A debt that they refused to take payment on.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Receivable Recovery Services, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please be advised, I have been a victim of idenety theft. The have never done business with or entered into a written agreement with ANY OF THESE COMPAINES. 

RECIEVABLE RECOVERY {$1900.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXXXXXX {$560.00} PLEASE ATTACHED FTC REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: ENOVA INTERNATIONAL, INC.
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This National Net Lender ( XXXX ) without any input from me, EVER... ..simply deposited {$600.00} into my XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX and then on XXXX withdrew {$170.00} ... ... ... ... ...... again, I never applied for any loan... ..with any company ever. This is a small savings account at XXXX  XXXX XXXX ...... 

I tried calling XXXX XXXX XXXX ( XXXX ) and was put on hold and then when I finally connected with a person ... ... the line was cut off ... ..this happened XXXX times ... .... 

XXXX has since tried to debit my savings account. The bank has rejected the withdrawal attempt but XXXX continues to try to make withdrawals. XXXX  XXXX XXXX refunded the original {$600.00} and gave me credit for the {$170.00} ...... BUT XXXX DOES NOT STOP TRYING TO DEBIT MY ACCOUNT ...... 

THIS COMPANY IS OUTRAGEOUS... .You just got a judgement against them and yet XXXX continues to access personal bank accounts without any permission. How does the company get our bank account numbers in the first place? ......

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Nelnet, 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: Account information incorrect

Complaint:
Nelnet student loan servicing has been reporting to my credit report even though I never selected them as my student loan servicer. I did make an inquiry however I selected XXXX as my loan servicer. Just because I made an inquiry about their practices did not mean I selected them and they had no right to report anything to my credit report. 

I contacted them and explained that I made an inquiry that led to this mistake/assumption that I may select them, however, I did not. I ended up selecting XXXX. 

I made several calls to Nelnet and finally worked with XXXX who spoke with her supervisor and they agreed to remove all reporting, ( including the " closed '' accounts reporting ) from my credit report because that is actually untrue. I never had an account with Nelnet to close. The reporting was removed but then two months later all the so called " closed accounts '' are appearing again on all my credit reports, even though Nelnet agreed to remove the false/inaccurate reporting. 

Here is the contact information for : XXXX, XXXX Representative XXXX direct line XXXX customer service line

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo Bank Loan # XXXX CA Mortgage Relief XXXX Approved in XX/XX/XXXX Around {$14000.00} Paid directly to Wells Fargo Bank CA Mortgage Relief current application XXXX I am respectfully requesting your kind assistance for my home loan modification with Wells Fargo Bank. I applied for the home loan modification in XX/XX/XXXX and have submitted all the required documents as requested. On XX/XX/XXXX, Wells Fargo Bank sent a " DENIAL '' letter stating they will not process this request because I filed a Federal Complaint with the Consumer Financing Protection Bureau. California Mortgage Relief XXXX paid approximately {$14000.00} around XX/XX/XXXX that was paid directly to Wells Fargo Bank XXXX I applied for a new claim to California Mortgage Relief XXXX on XXXX XXXX. 

I am a XXXX XXXX in XXXX XXXX, XXXX  and work tirelessly days and nights to provide income. Safety is a major concern. I am taking care of my XXXX XXXX XXXX XXXX daughter and my XXXX XXXX XXXX daughter.

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 2022-11-28
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-02-10
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I received a copy of my credit report and, to my surprise, XXXX, XXXX and Transunion are reporting a lot of incorrect information. They have several incorrect personal identifiers listed in my credit file and I am requesting that they remove any information that is not completely accurate. I am seriously concerned that the information that they are incorrectly reporting may send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already. I've been getting alerts from XXXX lock that my information is on the XXXX XXXX. Strange addresses popping up under my name.

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 2022-11-28
Company: Experian Information Solutions Inc.
State: NJ
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 submitted a letter to the XXXX Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: CBC Companies, 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:
A listing of the companies that made inquiries on my behalf that i did not give permission. For example XXXX XXXX made 2 inquiries on the same date XX/XX/XXXX, it should have been one inquiry. FACTUAL DATA XX/XX/XXXX, XXXX made several inquiries:XXXX ( twice on the same date ), XX/XX/XXXX. XXXX  XXXX  XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XXXX  I can not remember the date on this one. All of the above companies made this inquiries without my permission except for XXXX in which should have been one inquiry for my Solar Panels. May also add that all three Credit Bureaus were informed of this mistake and their answer was that that : '' I had to write to the creditors to have this inquiries removed and I was told to put a credit freeze on my accounts if I did not want anyone to check my credit without my permission. The inquiries were NOT removed by neither of the three Credit Bureaus. This is to name a few. Please do not include XXXX XXXX  XXXX XXXX, XXXX XXXX on the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, 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:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-25
Company: U.S. BANCORP
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a credit card without applying for one. I read that US Bank had just sent out cards. I received the card from US Bank. How did they get my soc. Sec. #? This is very upsetting. 
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 2023-12-03
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting 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 been trying to remove fraudulent accounts from my credit report due to identity theft. The disputes I am filing are not being done correctly and the paperwork I am submitting is not being attached. The FTC reports are not being sent to the creditors and I am not getting copies of the verification process that I am requesting according to the FCRA. 

These are the accounts : 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 2023-11-29
Company: Chime Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2023 I have unexpected debited amount to my Bank coming from Sendwave which I did not authorized. My account in sendwave had been compromised. 
I created an account in Sendwave that I only used once. Sendwave stored my bank account without my knowledge and approval. Someone used my Sendwave account to sent money to someone that I did not authorized or never made any transaction on this date. I called Sendwave to let them know that I never authorized and never send money in the amount of {$900.00} to anyone that I dont know, customer associate told me that they already approved the transaction after they suspected its a scammed.Customer associate also said that they sent me an automatic email but I only read the next day XX/XX/XXXX, XXXX! I demand them to return my money back but never happen the refund. 
I need help..what will I do to get back my money that Sendwave anyhow approved to sent to someone using my account with them.

Company response to consumer: Closed with explanation