BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report XXXX XXXX accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXXXXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under XXXX XXXXXXXX, Account Number : XXXX is also out of the statute of limitations of XXXX years. 

-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 a 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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have been having an ongoing issue with cashcentral taking payments from my checking account on random dates without notifying me beforehand and they are not sending me receipts afterwords wither. On XX/XX/2018 I filed a complaint ( XXXX ) against them the first time it happened. It caused my account to be overdrawn and left me without any money and a pile of late fees as well. While they did eventually refund the money, they still have continued to charge me without notice or receipt. They admitted in the first complaint that it was an error on their end, but they have yet to take any actions to correct said error. 
I wake up today to find that my account is again overdrawn due to cashcentral. I am having extreme financial issues, which was the reason why I took out the loan to begin with, but I am now much worse off because of it. The last payments since my first complaint have been taken out on XX/XX/2018 XX/XX/2018 and XX/XX/2018. The dates of the last two payments are early and should not have happened. I am unfortunately living check to check at the moment and if these payments were taken out when they were supposed to be, I'd have no issue, but this has caused me an extreme amount of stress. 
I have not received any mail, email, or phone notifications from this company in regards to my payment scheduled payments since XX/XX/2018. These payments are supposed to coincide with my paydays and be taken out every two weeks on Friday. I am now yet again dead broke with no other option other than to wait for this complaint to be received and reviewed while I struggle to find money for food, travel, and other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
See attached documents, the personal information you are reporting are 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 explanation
Consumer complaint received 2018-10-08
Company: EQUIFAX, INC.
State: TN
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:
Dear Credit Bureau : Im not happy with the way your company is handling my disputes. My next step in this matter is to file complaints with the Attorney Generals Office in your state and my state if this matter is not fixed. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are problematic and the need to be reinvestigated. 
Creditor : XXXX XXXX Account:XXXX Reason : Not My Account Its your duty, mandated by law, to reinvestigate any dispute sent by consumers. The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTB, XXXX, CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2020-06-17
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Comenity called my cell phone & husband 's cell phone on XX/XX/2020, @ XXXX XXXX. asking for a person who is not me. Imperative that I call them back today. 
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. (  same info. as above ). 
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX ( same info. as above ). 
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. ( same info. as above ). 
Comenity called both phones again on XX/XX/2020 # XXXX XXXX. ( same info. as above ). 
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. ( same info. as above ). 
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. ( same info. as above ). 
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. ( same info. as above ). 
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. ( same info. as above ). 
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. ( same info. as above ). 
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. ( same info. as above ). 

As you can see, Comenity Bank calls my phone and my husband 's phone several times a day sometimes. They ask for a XXXX XXXX, XXXX XXXX, or XXXX XXXX, none of which are me. I have sent the Company an email and asked them to CEASE and DESIST with no results. I told them I was going to file a Complaint and if they did not stop calling our phones, I would file a harassment suit against them. Comenity is calling on behalf of VS-XXXX  and XXXX XXXX. I used to have a VS XXXX XXXX, but no longer do. I disputed a reporting on my credit report against them, and it was removed. I have never had, nor ever been, inside of a XXXX XXXX, nor had a credit card for them. 

This nonsense needs to stop. It is very aggravating and annoying. I have not returned one of their calls and the harassment just keeps getting worse. My husband has never had an account with either of these companies either. Please help keep this company under control from harassing phone calls, especially when I am not the person they are looking for or trying to scam. 

Thank you in advance for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Navient Solutions, LLC.
State: CA
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: Investigation took more than 30 days

Complaint:
I review a current copy of my credit report and show dept of XXXX showing late payment to student loans. Currently, I have never been late and I sent mulitple dispute inquiries with no successful updates and have past the require timeframe per FCRA. Please delete account of my credit report listed below. 

DPT ED/NAVI Account number : XXXX XXXX DPT ED/NAVI Account number : XXXX* DPT ED/NAVI Account XXXX DPT ED/NAVI Account XXXX DPT ED/NAVI Account number : XXXX DPT ED/NAVI Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: DISCOVER BANK
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:
XXXX client, XXXX XXXX is a victim of identity theft. She was notified of an account opened with Discover Bank XX/XX/XXXX using her information without her consent. A formal dispute of this account was sent to Discover Bank XX/XX/XXXX and as of this date Discover has failed to reply to the outcome of the dispute/investigation. This is a violation of the FCRA and my client 's consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
So Im trying to use PayPal for XXXX so I can sell and I recently just opened it up. and one day out of nowhere they permanently banned me. So I got in touch with them over the phone today and the person I talked to said there team went over it and had suspicious activities and I can get the funds out within 180 days and kept giving me the same vague answer. Now I did have a account that I made when I was 14 under age and when I turned 18 I got back with them and talked about verifying the account and he got back with me and said I cant use that one why I dont know but he said I can make another one on a different email so thats what I did. And it all looked good until last week I got a alert that said the account was limited for suspicious activitysand no real answer. Now I did put the bank that I use and have access to and use constantly its under my fathers name because I turned 18 last XXXX and I have had access to the account sense XXXX of last. year and I can provide proof that I do have access to the account. My email is XXXX and the account is under XXXX my number is ( XXXX ) XXXX BTW I have another video that shows the agent saying I can make another

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: GA
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 these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within XXXX days. 
See the documents attached.

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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 that 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 accounts 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, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$170.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$110.00} ; XXXX  XXXX Balance : {$300.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$600.00} ; XXXX  XXXX Balance : {$490.00} ; XXXX  XXXX Balance : {$850.00} ; XXXX  XXXX Balance : {$2100.00} ; 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 2020-11-06
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We are returning Quicken Loan customers with an approved refinance w/cash out loan. We were refinancing an existing QL loan and were approved in XXXX. 
We closed the loan on XX/XX/XXXX. Through no fault of ours, the documents never made it to Quicken Loans. My Quicken Loan 's online account stated the fund transfer would occur by XX/XX/XXXX. We checked both our Mortgage online APP - Rocket Mortgage and our bank. Our Rocket Morgage online account had nothing new - no notice of what was happening so long after a loan closing. It continued to state the transfer would happen XX/XX/XXXX. Two weeks after the XX/XX/XXXX closing, we accepted that Quicken Loans was not working on the transfer issue. A day or so after our call, Quicken Loan told us the paperwork never arrived. Then they started working on the issue.

We were offered a reclosure on XX/XX/XXXX. The reclosing stopped because around XX/XX/XXXX, because our contractor ( roof ) of the projects the loan was helping to finance, filed their Notice of Commencement 13 or 14 days after we closed.

Quicken Loan sent notification that the loan was being canceled because there was a NOC filed. No offer, no contact at all regarding working with us due to their lack of monitoring their final part of closing - transferring the funds.

We really do not understand why Quicken Loans is satisfied to put the customer in a precarious and possibly disastrous position when something goes wrong with their processing that they only become aware of weeks after the client closes. Contracting for our projects to begin more than 2 weeks after the closing is not an unusual practice. It is stunning they caused all of this problem and have no offer to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
PDQ SERVICES Contact info for debt collector- XXXX XXXX CT XXXX GA Phone Number ( XXXX ) XXXX Attempting to collect debt for XXXX  XXXX XXXX XXXX Where i lived for 3 years and never late also left on good terms. Used unethical tactics

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: WELLS FARGO & COMPANY
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
My personal loan lender, Wells Fargo Bank, assessed a late fee charge of {$39.00} on XX/XX/2017. This fee was a direct result of their teller-line representatives misapplying a payment on the wrong account. <P/>In working ( via phone ) with my local Wells Fargo Banker at the XXXX XXXX location in XXXX XXXX Wisconsin on XX/XX/XXXX they asked me to physically bring in my deposit slip as supporting documentation to correct and reverse the fee. In doing so, on XX/XX/XXXX, the representative I was working with added additional requirements and steps to correct the issue such as returning to the original branch to reverse the original transaction, obtaining a debit slip from the checking account from which the loan was paid, then return to the XXXX XXXX location to complete the process which would take approximately two weeks. <P/>Unfortunately, this is n't the first time I 've had a payment misapplied on this specific loan. In the past, this was resolved on the spot, without issue. But I have yet to see any resolution or attempt to correct 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 monetary relief
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2018-10-08
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:
I have previous on multiple occasions asked Experian to verify inaccurate items on my credit report. They have contacted me stating they have verified items that I asked to be verified. 
Concerning XXXX # XXXX They have remarks stating this account was included in a bankruptcy when it should be discharged and they say it was included or discharged through Bankruptcy XXXX or XXXX. First if they verified the item they would know there's no such thing as a XXXX Bankruptcy and secondly if in bankruptcy they couldn't report a high credit limit which would be a violation of the bankruptcy. It also says the payment status is current. 

Concerning XXXX XXXX # XXXX They have remarks stating this account was included in a bankruptcy when it should be discharged and they say it was included or discharged through Bankruptcy XXXX or XXXX. First if they verified the item they would know there's no such thing as a XXXX Bankruptcy and secondly if in bankruptcy they couldn't report a high credit limit which would be a violation of the bankruptcy. It also says the payment status is current and list the terms of the loan. wonder how can a payment status be current if the account is in bankruptcy? 

Concerning XXXX # XXXX They have remarks stating this account was included in a bankruptcy when it should be discharged and they say it was included or discharged through Bankruptcy XXXX or XXXX. First if they verified the item they would know there's no such thing as a XXXX Bankruptcy and secondly if in bankruptcy they couldn't report a high credit limit which would be a violation of the bankruptcy. It also says the payment status is current. 

If Experian actually verify the information shouldn't the information be correct that is incorrect or if they cant verify the information delete it? 

All these accounts list a chapter XXXX bankruptcy, they include account status as current, High limits and all items that are not allowed to be reported from accounts in bankruptcy. 

My birthdate is listed as XXXX which is inaccurate and incomplete. They also list a address I have never resided at and it's a XXXX in XXXX of XXXX while I have been living at XXXX XXXX. XXXX XXXX since 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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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