BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: TX
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 am writing to follow up on my previous communication regarding the fraudulent items on my credit report. Despite my initial request and the provision of supporting documentation, the inaccuracies have not been resolved. This letter serves as my second attempt to request the removal of these fraudulent items and to express my continued concern regarding their presence on my credit report. 

I can not overstate the importance of resolving these fraudulent items promptly. Their presence on my credit report continues to harm my financial well-being, making it difficult for me to access credit, loans, and other financial services on fair terms. 

I kindly request that your bureau conducts a thorough investigation and removes the fraudulent items listed above from my credit report as soon as possible. Additionally, I urge you to provide me with a written explanation outlining the steps taken to correct these inaccuracies, along with a timeline for their removal. I need clarity and assurance that this issue will be resolved without further delay. 

If these fraudulent items persist on my credit report after this second request for correction, I may have no choice but to pursue legal remedies available under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. These fraudulent items should be deleted by XXXX and XXXX Credit Bureaus : 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 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 explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX NA XX/XX/XXXX ONEMAIN XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/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 2023-06-12
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2021-04-01
Company: CURO Intermediate Holdings
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I've received an email from a collection agency, XXXX XXXX stating there will be a lawsuit for an extensive amount of money of over {$2000.00} for a debt unknown to me. They're representing the company named Speedy Cash, which states there's a balance of {$900.00}, which I've never borrowed. I've never borrowed over {$300.00} and if I did borrow anything from them it was over 9 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX - XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$2300.00} ; XXXX XXXX XXXX XXXX. XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Don't recognize these recent credit inquiries. 

XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2020-03-07
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from XXXX XXXX to Freedom Mortgage effective XX/XX/2020. My final escrow balance from XXXX XXXX was {$1100.00}. Upon transfer, Freedom shows a negative XXXX. I have been trting to get this corrected since XX/XX/2020. After numerous calls, the problem is still not corrected. I just want my proper amount in my escrow where it belongs. 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 2022-12-12
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed the account in XXXX, XXXX. I still as of this month, receive monthly statements, I can log into the account, there is a zero balance and a {$7200.00} credit limit with an available balance of {$7200.00}. I get the same information when I call. I spoke to someone who told me she can see it was closed on her side, so " I don't have to worry about it. '' I do. The account is not closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: CCS Financial Services, Inc.
State: FL
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:
Im not liable with XXXX. i do not have contact withIXXXX XXXX XXXX  they did not provide me with the original contract as i requested. 



Im not liable with THE GENERAL IN. COMPANY. i do not have contact withI.CREDIT COLLECTION SERV they did not provide me with the original contract as i requested.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
For about two months now I haven't been able to see my Equifax credit score. I called and they told me I needed to update my new marriage name and address in the system. I sent them all of the documents they needed. I've been sending it for the last two months and they refuse to update the information. They will send a letter to my father as if he has sent in information! I am in the process of buying a home and this is holding me up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Basically what happened is that I report XXXX fraudulent transactions made through XXXX from my bank checking account ( Wells Fargo ) the first of XXXX to " XXXX XXXX '' Ref # XXXX and the second of XXXX to XXXX XXXX XXXX # XXXX. The solution that Wells Fargo gave me was to go to my cell phone service provider in this case ( XXXX ) a documentation that my phone has been compromised so I went and they told me that they are not able to give that type of documentation and that the only thing they can give me is an invoice for the cell phone payments and a call history ( I will attach these proofs below ). So I turn to you as my last option to solve this.

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 2023-08-26
Company: Genesis FS Card Services, Inc.
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for Destiny Card. About 2-3 months ago. It was declined because the XXXX or XXXX report was locked. I applied because it was recommended card. I had called the Destiny Card people 3 or 4 times and she couldn't tell me anything. I am client and user of services with XXXX XXXX XXXX. But XXXX kept giving me Same excuse. And never heard anything back about it. It's a card for people with certain credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: MS
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 explanation
Consumer complaint received 2021-04-02
Company: MARINER FINANCE, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently requested a copy of my credit report & seen unauthorized hard inquiries. This is a violation of the FCRA under section 604 permissible purpose. 

XXXX - XXXX XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX XXXX - XXXX, XX/XX/XXXX - CBNA, XX/XX/XXXX - MARINER FINANCE, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV
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: Card was charged for something you did not purchase with the card

Complaint:
I am a victim of fraud on my account, my additional card holders account was stolen and there were fraud charges on the card, i did not receive a notification about the Fraud until the person spent over {$3000.00} on purchases on the account, this is highly unacceptable at the fact that his card was allowed to be used for such a high amount, this NOT only is way beyond my spending pattern but the erratic charges being made and the locations it was used is not normal. 

I am extremely upset at the fact that your bank has failed to do its due diligence to protect me as a customer. You allowed charges again that were not normal or within my patterns. The fact that your bank DID NOT do its job to protect me until its too late is not acceptable. I am highly upset at this and we need to get this fixed immediately. 


I then reached out to your Fraud Department seeking to speak to a supervisor to discuss my aggravation at the fact that this amount of charges went through over the course of a few days with no restrictions on the account, EVEN When you notified me before i saw the emails the card was NEVER locked and the attempts were still being made. As a bank if there are charges in question on the account why was there no block/hold on the card until you speak with the customer. ( Received back to back emails within different time frames ) Upon speaking to the supervisor he was insinuating as if i was LYING about the fraud that happened on my card and was asking questions like well what the last 4 of your card whats the last 4 of the additional card holders card? I explained that they were the exact same, card numbers, you can tell his response was as if i was lying to him. He stated he is just very very confused. He then went into details about how tired and such a long day he has had. Made me question if this matter was even was important to him, after that I was on the phone crying as I felt backed into a corner with no support given that my account was stolen. 

He continually asked the same questions over and over of how the fraud happened and last 4 of the card numbers and wanted to know if my card was in my possession or not. I answered that yes my card was but my additional user was not.

I repeatedly let him know that YES i have my card and its my additional card holders card that was stolen., he still again was making me feel as if i was a liar and i do not appreciate it. 

I am the VICTIM here my additional card holders card was STOLEN!! i don't know how else to say it, and the bank is not doing their due diligence to protect me to ensure this doesn't happen again ( and didn't happen in the first place ) Please have someone from the corporate offices give me a call XXXX to discuss and hope to come to a resolution. 


Thank you. Stay safe and be well!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 2022-12-30
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions Inc.
State: AZ
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 submitted a dispute with XXXX XXXX XXXX XXXX, and with all three credit bureaus for inaccurate and unverifiable information with a charge off the is being reported on my credit report. There is a charge showing with XXXX  in the amount of {$4.00}, XXXX- {$8300.00}, and Experian is reporting {$4000.00}. There are multiple inaccurate with this report. 

1. The balances dont match.

2. the late payments dont match 3.This account has not been verified by the credit burueas I asked them to send me a copy of the sell and what they for the vehicle, and a proof of debt them and XXXX XXXX failed to provide me with any of this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Hello, My name is XXXX XXXX XXXX, I opened 2 credit card with Capital One and was making payments as agree. Back in XX/XX/XXXX some one hacked my phone and my identity was stolen with all my personal information. I reported to the 3 Credit Bureaus, FTC, and the CFPB I was going to file a Police Report and the local police department was only taking emergency call because of the pandemic. The people who stole my information opened some accounts and used the one I had. They Also try to use my checking account and debit cards. I had to closed and open a different account. They even try to pretend to be me to my family down in XXXX to steal money. They hacked my XXXX account stole my picture. In the meantime I keep paying my capital one account until I got a email saying that my accounts was restricted. I call capital one and they said the reason was because my payment for {$2900.00} was declined. I told the girl I never made that payment. She said they will send me a link so I can answer some questions. I never got the link. Find out reason I never got the email was because they restricted my accounts they looked all the email and I was unable to make any changes to the account. I was receiving all my correspondence by email. I move from the address I was leaving back in XX/XX/XXXX. Never received a statement never received a email I was unable to make payment or make any changes for my account. So I keep paying my small account until today just go to capitalone.com and pay. As of today my account still say the account is restricted. I lost track of this account and one day my roommates told me a man came knocking on the door asking for me and give her the letter. A summons that I being suit by capital one. I believe that the person delivered the summons broke the law he didnt even ask for Id to make sure he was delivering to the right person. Also I call the law office explain what happen and they told me to fax all the documents I had to back up what I was saying then I needed to file a Police report. 
What Im disputing is all the charges of late fee over the credit limit and court fees. This is not my fault you restricted my account and never sent the link to answer the question. Also remove and delete all negativity from my credit reports. And for the inappropriate delivery the summons to a 3rd party and exposing my personal business to a 3rd party I asking to consider this account paid. 
Account number XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX. 
File number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I pay a " realtor '' in desperation for an apartment and it was a scam and their business wasn't registered. They have a XXXX page called XXXX XXXX XXXX XXXX utm medium=copy link And I noticed they have a lot of fake followers. Also I made two payments of {$200.00} for an aplication fee and {$1600.00} for security deposit under the term of Refundable. Neither transaction has more than 12 hours ( application fee ) and the {$1900.00} which I reported like 4 hours later. The bank its telling that there is a more higher porcentage that I would not be able to ge the money back even though the transaction was pending and the money wasnt still available for the other party. I was desperate for an apartment because Im having such a bad and now I got scammed for almost 20 % of all my savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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