BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-04
Company: EQUIFAX, INC.
State: OR
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:
Over the last couple of months I have been denied credit and told I had to leave an exorbitant deposit on an apartment due to Equifax incorrect credit reporting. Other credit reporting agencies are reporting correctly. This is not an issue with the companies who have extended credit to me not reporting back to Equifax. I have filed 27 disputes with Equifax. I have filed disputes online and I have sent a certified letter to file disputes. Equifax refuses to update my correct name even after receiving certified court documents showing my name change. Equifax refuses to correctly report my student loans, claiming I owe more than {$14000.00} when I actually owe less than {$1000.00}. They are incorrectly reporting my address even though I have shown a utility bill with my correct address. My otherwise excellent credit is being tarnished by Equifax, and they have lowered my credit score after I filed disputes. Every dispute I have filed had supporting documentation. They have denied every dispute I have filed. I have repeatedly tried to speak with Equifax customer service representatives apparently based overseas, and they hang up on me claiming they can't hear me. Equifax has now blocked me from viewing my account online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} Chapter 7 Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019

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 2021-07-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX, 2020 Mr. XXXX XXXX XXXX noticed that his XXXX  Credit Report contained fraudulent information from the Credit card section of the report. This illegal illegal activity occurred without Mr. XXXX giving his permission or authorization and allowed me to contact Law Enforcement ( FBI and Secret Service ) in the XXXX XXXX, Texas jurisdiction that is the physical address of USAA Federal Savings Bank. 
The company ( USAA ) is not cooperating with the police investigation and recently was notified that the Consumer Financial Protection Agency was also involved with Law Enforcement on multiple accounts opened in my name and I require a written response from the President and CEOi about what the immediate action to stop this harassment by criminals that do not care about my 30 year membership and exceptional credit rating that is being destroyed without my permission. 
I want answers to this distasteful message from USAA and investigation with Impunity that will give much needed closure and Cash Settlement!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Reference number from previous complaint : XXXX Amsher Services on behalf of XXXX. Previously requested no further contact. 
Yet Amsher Services persists with mailing me letters demanding payment. 
I have previously demanded they no longer contact regarding this matter. 
Current mailing has a XXXX form for fraud dispute investigation. 
Note : I have never had XXXX services or devices. Never subscribed to or cosigned for XXXX services. Made a payment for another party. This other party defaulted on their account. XXXX fraudulently used my personal information without my permission in attempt to collect for a service that was not mine. 

There is statutorily an interstate aspect to this matter with respect to fraud. 
XXXX is in multiple states. 
Amsher Services is in Alabama. 
I live in Texas. 
The form from Amsher Services for XXXX requires a police report. 

XXXX  would not provide me any details about how my name came to be associated with this account in such a manner that would allow them to pursue a debt defaulted on by another party. 
The only name ( XXXX ) I can provide for a police report would be : XXXX and Amsher Services I contacted Amsher Services on their toll free number on XX/XX/2023 and reiterated about the facts of this situation. Paid a payment for another party, other party defaulted on the account, I was not the subscriber, did not cosign or otherwise allow my personal information to be used outside of the payment made on behalf of another party, never had any subscriptions or devices for XXXX, XXXX is attempting to commit fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Capital Management Services, LP
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX is sharing my nonpublic personal information with non affiliated third parties XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX does not have my consent to have and share my private personal information. Then the information they are reporting is inaccurate and false. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.

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 2023-03-12
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I saw a transaction listed on my Chime checking account that stated I was charged {$1000.00} on Wednesday, XX/XX/2023 at XXXX from merchant 'XXXX XXXX XXXXXXXX XXXX XXXX   I never authorized or made this purchase and I do not know what this transaction is. What was worse was that I received a fraud text alert if this transaction was authorized and I tapped NO! I received a following response that this transaction was declined. However, it still showed pending on my account. I contacted Chime the same day, XX/XX/2023 to see if the payment was going to be canceled. A chime representative told me, " since the transaction is still pending I must wait until the payment is either processed and no longer shown as pending to file a dispute or if it indeed does become canceled ''. 
2 business days later the transaction was indeed complete and the money taken out of my account. I immediately contacted Chime customer support and filed the dispute.

However 3 business days later Chime completed their " investigation '' and denied my dispute.

This transaction was fraudulent and I have never given anyone my account details or debit card number or authorized anyone to make a purchase on my behalf. Since learning of this fraudulent transaction I contacted Chime support and deactivated my debit card and received a new card with a new number. I changed my pin and I set up transaction alerts so I will receive a notification on my phone when a purchase has been made on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: SANTANDER HOLDINGS USA, INC.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Santander Bank keeps sending me credit card solicitations. They dont make it easy to find a way to opt out on their website so I have emailed them 5 times over the last 3 months and I keep getting marketing solicitations 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 2022-02-16
Company: Dovenmuehle Mortgage, Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I currently have a mortgage with XXXX mortgage company. It was established in 2006. My loan number is XXXX. The property address is XXXX XXXX XXXX XXXX, XXXX XXXX CT The mortgage company never filed with my town. My town hall reports my Mortgage was paid of in 2006. They do not report to the credit bureau. Consequently this is hurtful when applying for another mortgage. 
My rate is XXXX and I asked to refinance and they say they do not do that. I am stuck in a sun-prime mort and spinning on a wheel. 
I have applied for a new mortgage. I qualify. 
The problem is there is no report of me paying a mortgage since 2006 and my town hall says the home is paid in full. There is no record of XXXX holding the lien. 
XXXX refuses to give my potential new company a VOM. They said I am late. I have not had a payment that was last, past 30 days, in 7 years. 
What do I do? I can save $ 500.- {$600.00}. Per month with a lower rate offered by the new lender. XXXX is hold me XXXX. 
Thank you for your time, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions 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:
I am submitting this complaint once again without any influences from 3rd parties and/or agencies. Please see the attached documents and identification as it contains my full complaint and request.

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 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
in accordance with the fair credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE

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 2022-02-16
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Myself XXXX XXXX XXXX was looking at my XX/XX/2022 consumer report and seen multiple credit inquiries I did not authorize and believe to be fraud, experian states that they verified these inquiries but have failed to provide proof or evidence of such investigation to myself the consumer violating my rights to privacy and rights to fair and accurate credit reporting by experian, attempts by myself to resolve this matter with experian outside of a court of law have been unsuccessful and shows experian is being willfully noncompliant and negligent in this matter by continuing to break laws set in place by Congress to protect consumers and allow for accurate credit reporting under the Fair Credit Reporting act. Immediate attention is needed in this matter.

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 2018-02-16
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:
Previously disputed a Chapter XXXX bankruptcy reporting on credit report. Asked for proof of accuracy of reporting and indicated that 7 years from discharge has passed and bankruptcy should be deleted. Credit bureau responded that investigated and found information to be accurate. However, credit bureau has not and continue to omit any requested documentation proving verification. I have contact court and XXXX XXXX and have been advised by the court that they do not provide verification and representative from XXXX XXXX has indicated that they have not record of investigation by credit bureau and they have not verified any information to third parties.

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 2021-03-29
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
PAYPAL Ive had my PayPal account for over 5 years. I decided to use my PayPal account to start receiving my online workshop admission during this pandemic. 

I had a large total coming in, {$4000.00} of my money PAYPAL decided to place on hold for 180 in case fraud or in case some one decides to request a refund. I was okay with that. XXXX XXXX XX/XX/2021, XXXX was made. Time for me to get my money back. PAYPAL decided to not help with transfer of my funds ( cant add new card or new bank information ). PAYPAL blocked my calls as well, No reply to emails. Im reporting PAYPAL because theres so many others in the same situation. PAYPAL, holding money or funds with no solution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
Netcredit is reporting incorrect amounts due to XXXX causing me to ot be approved for a y addiction assistance and loans for other company based on thr negative deragotory remarks netcredit has placed on my personality file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30
Company: CAINE & WEINER COMPANY, INC.
State: TX
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CAINE WEINER ( Original Creditor : 01 XXXX  ) XXXX ... XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

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

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 2019-08-01
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan Care is servicing the loan which we fell behind on and we have been trying to get our short sale approved since XXXX. My agent says they don't know the process, they are asking her for things that are not legal, and now that the appraisal has been done and our offer is meeting the net, they will not send an approval. The underwriter 's name is XXXX, she will not return my agent 's calls. The supervisor we have been dealing with is named XXXX, he just continues to say that she will call us, but we have been in this loop for weeks. Today my agent called in 3 times, was on hold for over an hour and a half the 3rd time and was then disconnected.

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 2017-11-30
Company: Select Management Resources, LLC
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was paying my loan. I was sometimes late but, was faithful. I paid for the month of XXXX, XXXX and I received a receipt with balance of XXXX and some change. Well I was late paying XXXX and I was going to pay it until they told me that I owe XXXX. I was concerned about this issue and I decided to send in a complaint to find out if you can assist me in this matter. Thanks for Your Attentiveness XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief