BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: NY
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:
If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX : {$0.00}

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 2023-09-29
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 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 Experian XXXX 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

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 2023-06-02
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:
Equifax is reporting fraud/ inaccurate/incorrect information on my report. I never instructed this XXXX XXXX to furnish this report, create this report And I never consented to this report in the first place. 
This information is inaccurate/fraud/false or incorrect. 

XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$680.00} XXXX ) XXXX XXXX XXXX {$520.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 pulled my credit report and saw a collections account from XXXX XXXX XXXX XXXX for {$380.00} ) I notice my right were violated 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to privacy as a consumer and I never gave permissible purpose, 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Also 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; based off this it shouldn't have been on my credit report so i ask that this account be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-16
Company: Consumer Portfolio Services, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Name XXXX XXXX Date XX/XX/2022 Companies involved : Consumer Portfolio Services and XXXX XXXX XXXX On XX/XX/XXXX I went in to XXXX XXXX to purchase a vehichle. They are known to work with people in bankruptcies. I am currently in a Chapter XXXX and I had my approval letter from the trustee and all the documents that were asked of me. After 8 long hours I was financed by Consumer Portfolio Services. I asked the salesman 100 times was I financed because I didnt want to drive off with a car that I would have to bring back. 
XXXX XXXX called me for a welcome call from the finance department. I have a speech impediment and it takes me a while to respond and speak. She seemed annoyed so I asked if I could call my fiance mid thru the interview because she seemed annoyed. After setting up my banking info with the finance company and purchasing insurance, now 2 weeks have passed and XXXX XXXX wants the vehichle back. I made a down payment, purchased insurance and other items. XXXX claimed they rescinded on the loan because I did not disclose I paid XXXX XXXXt. This is clearly false. I submitted all my check stubs and it clearly shows that I pay XXXX XXXXt. I need my vehichle to get to work, and I dont have money to just give away. I think the loan was rescinded because I dont speak well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out into the open that you are not hindering Items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 2022-12-28
Company: CENTRAL BANCOMPANY, INC
State: CT
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I purchased a pizza on XXXX  for delivery on XX/XX/XXXX. Pizza was never delivered. I sbmitted a complaint on the website and did not a response. I call the bank and multiple times and they did not assist.

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 2022-04-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We were granted a Repayment Plan after several months of requesting assistance due to a financial hardship we were experiencing. The Repayment Plan was for one year XX/XX/XXXX until XX/XX/XXXX. During this time we experienced another financial setback which we informed them of and assured them that the payment would be in by the end of the month. Once they received the payment by Personal check they held it for two week and wrote VOID all over the check copied it sent us a copy and stated that they had destroyed it and requested Cashier check for the set amount that was submitted. We purchased a Cashier check and sent it priority mail signed receipt. Meanwhile they referred us to their Attorney for the process to start for Foreclosure. They received the Cashier check then sent a letter stating that they wouldn't be applying the fund towards the mortgage or cashing it, they would be destroying it and request {$20000.00} something by the XXXX of XXXX and if they didn't receive they would proceed with the Foreclosure process.We reached out to their Attorney informing them that we had a Repayment Plan in place and we didn't know why we were referred to them. To date we haven't heard anything from them. We have reached out to our Lender as to what is the status of the Repayment Plan and future payments. Since they are destroying all payments that we have sent in the past month or so we have informed them that we will not be sending any more payments until we are assured that they will be applied to our mortgage. We don't have any other choice right now because this is costly and unfair and we don't think this is legal. So we are going to save the fund until XX/XX/XXXX or when they instruct us otherwise or if we have to go to court. The Cashier check that they refused to cash or return to us we have to try and get the funds returned which is going to take sometime because the Bank stated that we have to place a stop payment and a reversal which will cost fee before we can get the fund redeposited in our account. The Bank stated that the process would be better for us if the Lender would cooperate and return the Cashier check then we wouldn't have to pay all of the additional fees. They couldn't take our word or a letter from the Lender stating that the check was destroyed. We have requested that they return the Cashier check but we don't think they will because they didn't return our personal check. Every time we correspond with them it is always something different or they send old documentation as respond to our request. Nothing is ever clear and the back and forward is not fair to us all we want to do is get back on track and move on and stay in our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: JPMORGAN CHASE & CO.
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:
chase charged off my credit card account and as been reporting it illegal on my credit report i have sent them numerous letter and fax to remove it. i am getting lawyers together this is absolutely ridiculous. you can not report a charge off account the way you are reporting it adandn XXXX  as confirmed multiple times that the information is being reported accurately so hopefully the lawyers can shed some light on this. please remove this charged off account the dates are wrong the amount is wrong its not following any of the fair debt reporting laws and i have seriously had it with this company no 1099 was sent to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: Bread Financial Holdings, Inc.
State: PA
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:
XXXX XXXX  ( aka XXXX XXXX payments ) refunded to my account {$11000.00} that I have a refund slip. It was sent to the original account ComenityXXXX XXXX Credit Card opened XX/XX/XXXX. The account was closed and paid in full XXXX, XXXX. The re-assigned credit card number is on my credit report. The refund fromXXXX XXXX was made XXXX, XXXXI have called so may times to Comenity bank and the same thing over and over is stated. You do not have a credit card with Comenity Bank. I have the listingon my crdit report and I have a credit card statement with my name, account number, address, etc. I paid off the {$11000.00} XX/XX/XXXX. I did so because of the interest, etc. There is a whole long story behin thisXXXX XXXX XXXX REFUNDED THE MONEY TO COMENITY BANK XXXX XXXX, XXXX. They stated their policy is to send to the original purchase point. I have a dialogue with XXXXXXXX XXXX. I sent a USP priority Mail packet with all the documentation I have to Comenity Bank XXXXs XXXX XXXX XXXX XXXX, XXXX. The tracking on this packet stated Comenity received this packet XX/XX/XXXX, XXXX dI received a letter bacvk thaat the account is closed and the balance is zero. SO what happened twith the {$11000.00} refunded by XXXX XXXX. I have documentaTION TO SUPPORT MY COMPLAINT. I can uplod my credit report pages as well. I have not scanned them as yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Please remove this erroneous account from my credit report as it is not mine

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 2022-12-28
Company: EQUIFAX, INC.
State: TN
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 disputed the information numerous of times and still received misleading information. First I never gave written consent for my information be used incorrectly. Secondly the company stated they will remove/delete the misleading information but as of today the information is still reporting. Please remove the misleading information immediately. Thanks XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXXXXXX 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 2022-12-28
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Our house was foreclosed on by Wells Fargo in XXXX of XXXX. We lived in XXXX Illinois at the time. XXXX XXXX XXXX XXXX XXXX. My husband had been laid off at the end of XXXX at the beginning of the recession and we spent our savings to stay in the house and applied for multiple assistance programs but nothing. The lender Wells Fargo would not work with us at all. I hear there have been lawsuits against wellfargo related to mortgage foreclosures. The Obama administration was saying that The lenders were supposed to work with us as much as possible but they did not. They just wanted the house.

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 2022-12-28
Company: Experian Information Solutions Inc.
State: TN
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 disputed the information numerous of times and still received misleading information. First I never gave written consent for my information be used incorrectly. Secondly the company stated they will remove/delete the misleading information but as of today the information is still reporting. Please remove the misleading information immediately. Thanks XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXXXXXXXXXX  ( 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 2021-02-12
Company: EQUIFAX, INC.
State: MO
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:
OnXX/XX/2020 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 equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The list of accounts below is reported inaccurate on my Equifax consumer report. 
As mandated in 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I put it into writing to both cfpb and bank of america that I wanted the account closed in XX/XX/2020. Since then I have been billed {$48.00} in fees {$24.00} of which have been removed. This XXXX XXXX  incompetent at the bank says all kinds of things and never performs any. Now I get a letter saying they have " forced closed '' the account and there is still a {$24.00} balance. If these idiots didn't know the account was to be closed how come the previous {$24.00} was removed? I wouldn't trust these bunglers with lunch money and you government people let them get away with it.

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 2018-09-28
Company: HW Holding, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They call from different numbers up to 15 times a day to my spouse and myself. When trying to see what the debt was, we were yelled at stating that we know what the debt is and dont act stupid. When I requested a letter to verify the debt and to verify who they were, they told me they wouldnt give mail me anything until I gave them my card number. They were very rude, I told them to not contact me again until I receive a letter and we both continue to get calls. 
I first talked to them in XXXX of 2018. Nothing but calls sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: NY
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 XXXX, XXXX XXXX Agent FOR XXXX XXXX XXXX, beneficiary ( XX/XX/2023 ) have placed numerous complaints with EXPERIAN through the CFPB about the inaccurate reporting of non public information. The continuous sharing of inaccurate, non public information without my expressed written consent to my consumer credit report has been ruining my reputation and is identity theft. 

Please See Attached Documents

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im sending this complaint to inform your depatment that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report attach a copy of the identity theft report ( FTC report XXXX : XXXX ) ; ( 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 following accounts/items need to be removed as they are fraudulent. 

XXXX XXXX XXXX XXXX, NY XXXX, XXXX CARD XXXX, XXXX CARD XXXX, XXXX CARD 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