BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Notification of Identity Theft to Financial Institution and Credit Grantors XXXX2018 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Fraud Department : XXXXTRASNUNION RE : XXXX XXXX XXXX XXXX  Dear Sir or Madam : I am writing to you to report that I may have been the victim of identity theft. I also would like to share with you the deletions of these accounts on XXXX  through XXXX and XXXX. I am requesting the following items be removed on my reports from your companies as XXXX has done already.

There are certain account activities/charges on my account which I did not make. I have listed these fraudulent charges below. Please remove these charges along with any finance charges or other charges related to the fraudulent activity.

Upon completion of your investigation, please alert the appropriate credit bureaus of the correction to my information.

The following accounts were fraudulently opened in my name. Please close these accounts : XXXX XXXX XXXX XXXX RE : XXXX XXXX XXXX

Please note that I notified you as soon as I learned of the fraud last Summer and made a report to the FTC and made a Police Report and I will not be responsible for any charges to any accounts fraudulently opened in my name. Immediately remove the account ( s ) and inform since it was fraudulent and that it should be removed from my credit profile.

Do not allow the sell or transfer of any debts related to the fraud and do not report these accounts over to a collection agency.

Please respond to me in no more than thirty ( 30 ) days of your receipt of this letter. Once you have completed your investigation, please correct all the errors on my reports and provide me with an accurate statement of my account.

Based on Federal Law ( The Fair Credit Reporting Act ) please immediately send me copies of the following within 30 days : Thank you for your assistance and I look forward to receiving the information requested above at your earliest convenience.

Sincerely, 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 2023-10-03
Company: EQUIFAX, INC.
State: PA
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've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I did not know of these charges. I have been a victim of Identity Theft. Please help me resolve this issue.

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 2021-01-15
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/2021 Receiving incessant calls from Midland Credit MGMT> Rep argued with me about removing my personal number from dialer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
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: Account information incorrect

Complaint:
I have provided XXXX and Experian with inaccuracies that they are reporting on my credit report. I have sent screenshots of the updated report from XXXX to Experian and XXXX  so that they can follow accordingly. Experian and XXXX have not updated my credit report. They are ignoring my notices and I have resulted to complain on both Experian and XXXX as a result. I'm informing them that the inaccuracies that they are reporting are not the same and need to be removed from my credit report. I am providing screenshots of my XXXX  report to show that Experian and XXXX need to remove the inaccurate 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 explanation
Consumer complaint received 2023-03-29
Company: Global Processing Services, LLC
State: MN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a few calls with a request to return a phone call at XXXX who states they are Global Processing Services and act as bad debt mediating. This phone I believe help gs to XXXX count or city. FL. They claim in 2016 I took out a payday loan online with IP address XXXX. This ip address belongs to someone in AZ, I don't live there. All they could tell me was it a main lender from XXXX XXXX through XXXX in 2016. They could not tell me what the supposed contract was nor could they give me a specific date in 2016 not could they send my anything, but if I called the company they wouldn't know anything because they " sold '' the debt to them, but this Global doesn't have the contract the client does. They stated {$500.00} was wire transferred into my account, which have never happened, confirmed with my bank. Supposedly I have been contact via mail which has never happened. They state I have a {$1700.00} balance which they will settle for {$380.00} but I need to give them my payment information over the phone. This organization has my address and last XXXX of social. I was hung up twice and on the third time I called I was given different information about where this pay day loan came from. They stated they are a 2nd debt collector but it has not hit my credit yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Experian Information Solutions 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:
Experian Credit bureau has been falsely reporting inaccurate information since XX/XX/XXXX. They have been double reporting negative information since XXXX. 15 years or 180 months of inaccurate and double negative reporting, XXXX FCRA violations, and XXXX FCBA violations. They have XXXX XXXX XXXX XXXX child support accounts and I have only ever had one. The two accounts listed only one is correct and the information reported is still incorrect. You can see per the photos uploaded that they are updating the old account that was closed in XXXX with the last update being XXXX, XXXX. They also do not update my correct information correctly in a timely manner. The last update is three months old. Since XXXX they have reported two accounts and negative reporting and inaccurate and late correct reporting. You can also see that I have disputed this 5 times, with each dispute they have reported worsening information with each dispute. If they were reporting the correct information my dispute results would all be the same. Not changing with the wind and adding progressively worsening payment history. I submitted a letter from XXXX XXXX XXXX child support services, stating that the account has been closed since XXXX, that they have the wrong account number and they have updated a closed account mirroring the other account and updating the closed account illegally since XXXX worsening my credit score by their negligence in reporting and their failure to act and investigate disputes correctly. Included in the images XXXX the incorrect payment history, the two accounts date of last being updated, I can provide my account information so that you can see the before and after results of the five disputes filed that after each dispute investigation they came up with different and worsening payment history, incorrect balance, updating a closed account for 15 years. Some of the disputes were red filed the exact same day the dispute results were released before any changes had taken place with my credit report and they submitted again wrong and worsening information than the dispute before when nothing had changed. I am looking for accountability for negligence and missed life and financial opportunities due to inaccurate and incorrect information being passed off as fact for 15 years. Failure to act. The other credit bureaus have these accounts reported correctly and the second account is not even present on my other credit reports because it is past the statute of limitations for reporting another set of laws and regulations that experian chose to ignore and chose to report negligent information for 15 years or 35 % of my life time.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I lost my home due to foreclosure issues dealing with Wells Fargo. I was supposed to be paying the house off to own it. My credit is horrible and I cant find my own place of residence because it still comes up on my credit. I am forced to live with others as I cant be on anyones lease nor take out my own.

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 2023-04-04
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My account was paid in full for {$30.00} on XX/XX/2023. On XX/XX/2023 the company levied a {$2.00} fee against me. This is all documented on the statement. I called the company to get them to remove it and they wouldn't so I immediately closed the account so they could not levy anymore fees. I then filed a dispute with all 3 credit bureaus. They are stating to the credit bureaus that the fee is legitimate. I don't see how that can be since it was charged to me AFTER the statement was paid in full. This seems ridiculous that I have to fight a company for {$2.00} but now it's the point of the matter. I had an account with them about 10 years ago and wound up shutting it down for the same type of shoddy service. I thought I would give them another chance when they approached me last year. No, their service is still unacceptable and that's why I paid the account off. I didn't plan to close the account however I knew they would probably try to serve me with more fees when I didn't pay this ridiculous {$2.00}. It will cost them more to take me to collections for the unlawful charge but I am refusing to pay this on principal now since they would not cooperate on the phone and are claiming to the bureaus it's a fair charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-15
Company: Experian Information Solutions 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:
I have a PAID Charge-Off with XXXX XXXX XXXX that I have been disputing with the bureau continuously since XX/XX/2020! I sent a second dispute on XX/XX/2020, after the bureau did not correspond with me ( I am aware that they have 45 days, and I am STILL waiting for responses from them ).

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 2018-04-16
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
My dispute with Sears has been going on since XX/XX/XXXX. I contacted them when I returned from my trip to XXXX on XX/XX/XXXX because I charges on my bill that were not made by me. I was out of the country from XX/XX/XXXX until XX/XX/XXXX. I was sent a new card and told that an investigation would be opened. Since that date more charges have been made on that account none of which are made by me. Sears has been extremely unhelpful in resolving the matter. At some point I believe my identity was stolen because I have had similar issues with other credit card companies with that were opened without my knowledge. I also had unauthorized charges made on other store cards and they all have been settled and resolved by each company but sears continues to give me the run around. I have made a police report as well as reported the fraud to all 3 credit bureaus and so far everything has been resolved. Even the IRS is informed of the issues Ive had. I just want to get rid of this issue with sears because it is affecting my credit. Ive had my sears card for more than 10 years and Ive never had an issue making payments. I pay all my credit cards on time I wouldn't have any motive to want to take advantage of sears. Ive gotten to the point where I had to close my store card because I can no longer deal with the aggravation of having to call almost everyday for the past 6 months and stil get no resolution.

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 2023-05-17
Company: Experian Information Solutions Inc.
State: OH
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:
This is a follow up on my complaint that you've closed XX/XX/XXXX. My issues wasn't addressed well. 

I am asking for your help to have XXXX XXXX XXXX with an account number XXXX opened in XX/XX/XXXX deleted from my file. I asked the bureaus todo verification for this account and they did. They stated that the account is accurate without providing me any proof of how and who checked it. I know under the law that they are required to provide me all the information as proof.

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 2022-11-07
Company: DISCOVER BANK
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX occasions I have paid my past due balances in chunks to fit with current pay structures. Typically XXXXXXXX XXXX worth of loan payments sit past due as I continue to catch up, however I am very diligent in making sure they do not cross the XXXX XXXX delinquency mark as that is when it gets reported. Discover has never had a problem with me handling it this way, as it prevents me from surprise overdrafts and allows me to pay when I get paid. In the XXXX of XXXX, XXXX XXXX of payments were made, the later XXXX  on the XXXX I believe. On the recorded phone call which I made the payment over, you can clearly hear the operator state that the payment would process and my account would not be over the XXXX XXXX delinquency. I verified this verbally again with the operator and was assured that having made these payments my credit was not being affected. About XXXX XXXX after the payment was made they reported it Delinquent and hit my XXXX XXXX for over XXXX points. XXXX to be exact. It took me a XXXX or XXXX to notice and once I did I immediately reached out to rectify/clarify the situation. All past due payments were either made or scheduled. They have an open investigation into the situation currently ongoing, however I wanted to make sure I filed here as well because I have heard from others that Discover can be hard to work with. Any help restoring this would be greatly appreciated. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: AmeriHome Mortgage Company, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Good afternoon, Here is what happend. XXXX XXXX wired the funds in the amount of {$2700.00} to AmeriHome Mortgage Company. Once received by Amerihome, there was a payoff shortage caused by an overdraft in my escrow account due to a tax payment. Taxes were confirmed as paid so XXXX XXXX  voided their tax check and sent a check for the shortage to Amerihome. However, Amerihome deposited the check and paid my loan in full. 
XXXX XXXX then wired the shortage of funds to Amerihome. AmeriHome Rejected this wire as the loan was paid in full. The wire was sent two different times to AmeriHome both times being rejected since Amerihome was showing my loan was paid in full. 
The overage of funds were wired to me on XXXX in the amount of {$2700.00} by XXXXXXXX XXXX since it was belived AmeriHome was paid in Full. 
After this is when the check that was void by XXXX XXXX was rejected by Amerihome 's Bank leaving the balance owed to me. Now, I receive a letter last week from AmeriHome dated XX/XX/XXXX ( The only communication I have received from them ) sayingthat my loan is not paid in fulll and that I owe AmerHome {$2700.00}. by XX/XX/ or adverse credit reporting will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: VA
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 submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be validated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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