BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-27
Company: COLLECTECH DIVERSIFIED, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt originated as a medical debt that was incurred by my ex wife utilizing my personal information. 

I settled the balance with the hospital even though it was not my debt but my ex wifes and collect tech will not XXXX out or delete this account. 

I have never signed any of the paperwork I wasnt there when the debt was incurred my ex simply gave the doctor my information and said bill him.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Experian Information Solutions Inc.
State: NV
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:
A account was opened fraudulently in my name. I immediately contacted the collection company to dispute. An investigation was opened. I filed a police report, completed a identify theft waivers, made copies of bank statements, utility bills and driver license. This XXXX collection account made my score decrease by XXXX points. After the investigation was complete and the account was removed. Experian reported only XXXX points back on my report. I would like to know why only XXXX points was put back for this account when they removed XXXX. That is XXXX points missing that I would like back. That would put my XXXX XXXX back in excellent and the credit bureau know that. I feel like this is discrimination due to me being XXXX XXXX. Credit is way to keep XXXX Americans out of particular buying markets. I would like to know why my points wasnt put back.

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 2022-05-02
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Purchase a puppy from an online breeder. Payed with Zelle. Paid {$850.00}. 
XXXXXXXX XXXX wanted money for a larger crate. {$1600.00} No puppy came and no refund. Then they wanted more money for insurance. 
I have emails, text messages and pictures I have filed with the local police and tried to get the bank to stop payment or refund

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: EQUIFAX, 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:
I was denied a loan and received a copy of my credit report. I realized I was a victim of identity theft so I contacted the police department. I disputed the information with the credit bureaus but they refuse to remove the items even though I have received letters from the creditors stating it was a mistake and will be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
OnXX/XX/2019, I disputed a Chapter XXXX  bankruptcy that was being reported on my credit report. June the credit reporting agency stated the information was verified as accurate. XX/XX/2019, I sent a letter to the court administrator of the courthouse where the bankruptcy was filed. In my letter I requested what is their procedure for verifying records with the credit reporting agencies. XX/XX/0219, The court administrator mailed me their response, stating the courts has no form of direct interaction with any credit bureau. Credit bureaus do not check with or otherwise have direct contact with the Court to verify information they have obtained from third parties. The Court has no involvement regarding what credit bureaus do with the information they get from third party administrators. XX/XX/2019, I mailed a copy of the letter to the credit reporting agency along with the response I received from the Courthouse Administrator stating how they don't verify the information with the credit bureaus. In the letter I stated per the FCRA 623(a)(5): "If the Credit Bureau cannot VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file". The Credit Bureau responded back stating it was verified. I then asked them for their Method of Verification. As a consumer, I have a right to request the credit reporting agency method of verification. I requested the Credit Bureau to send me the original method of verification from the Courthouse and they advised they do not have to furnish that information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
THERE IS A BANKRUPTCY THAT ISN'T MINE ON MY CREDIT REPORTS, THE CREDIT BUREAS GOT THIS INFORMATION FROM XXXX XXXX SO I REPORTED THE INACCURATE WITH XXXX XXXX AND THEY INVESTED AND FOUND IT IN MY FAVOR. THEY REACHED TO ALL THE CREDIT BUREAS TO REMOVE THE INACCURATE BANKRUPTCY BUT IT STILL SHOWS UP ON MY REPORT. IF THEY DONT REMOVE THIS I WILL TAKE LEGAL ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: RI
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 they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: SANTANDER HOLDINGS USA, 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: Account information incorrect

Complaint:
I contacted Santander Bank on XX/XX/XXXX and spoke with agent about the late payment history on my mortgage account. 

I was in forbearance in XX/XX/XXXX to XX/XX/XXXX due to Covid and being furloughed. 

I paid all past payments that were in forbearance in XXXX of XXXX when i returned to work. 

I was told by Santander the forbearance allowed my payments to be late due to being furloughed due to covid and would not reflect and ruin my credit report its being reported to XXXX XXXX that my account shows late payment. XXXX XXXX stated on XX/XX/XXXX that the information is correct. 

My account should not reflect late payments. 

Can you please help in getting this corrected?

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 2018-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have repeatedly submitted disputes on items on my credit report beginning back as far as XX/XX/2018 to XXXX, XXXX, Transunion credit bureaus. Nothing has been removed as they only send back verified and nothing saying how they verified the accounts. I also have submitted police reports of fraudlent activities on the following accounts : XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX  and others. I have not lived at the address associated with these accounts and I have documentation to prove 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 2018-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This, I believe, was a credit card that was STOLEN by my ex-husband ( XXXX XXXX XXXX and his son XXXX XXXX XXXX ). They maxed it out. I was trying during my divorce to pay more on the card than what was due but then I became very sick and have been on XXXX and 12 other medications since. And I have XXXX XXXX care between being hospitalized several times a year. I am receiving social security XXXX. I don't remember what credit card this is even about. But with this on my credit report as a negative I can't refinance my home. I need help with getting this cleared up desperately. PLEASE ... or I will be homeless next year. Thank you in advance.

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 2023-10-08
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As of XX/XX/2023 Experian requested a copy of my address and government ID. Due to send my information by email Experian denies receiving mail consistently. I have submitted my information as proof. My complaint into Reference number XXXX THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C 16811 ). AND THE INFORMATION MUST BE DELETED IMMEDIATELY. 1. 15 U.S.C 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 U.S.C 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction I WILL FILE THIS AS FRAUDULENT WITHOUT KNOWLEDGE OR CONSENT.

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 2021-09-19
Company: Chime Financial Inc
State: WI
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:
A credit report agency XXXX report wrong information on my credit report, from my account bank account named Chime. The balance is incorrect, there is no monthly payment for that account. The original balance it said I paid is too high, I never paid that much. All information is incorrect I would like it removed, everything is false. 

Condition Open Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX  Monthly Payment XXXX Last Payment XX/XX/XXXX Status OK Loan Term XXXX Loan Type Secured credit card Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Creditor Information CHIME-XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts : - XXXX XXXX XXXX - XXXX  XXXX XXXX   - XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27
Company: Better Mortgage, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage with Better.com ( refinancing existing mortgage I have with another lender ) and was was approved for an interest rate of 2.875 %. A hard credit check was performed and I locked in the rate with a {$550.00} deposit. The underwriting process was started and I uploaded all of the requested documents. After the mortgage company performed the appraisal on my home they informed me that they would increase my interest rate due to the assessed value of the house being lower than they expected. This appraiser valued our house approximately $ XXXX less than the previous appraisal performed 3 years earlier ( we've invested a lot in our house, I don't know why the value would decrease ). 
I canceled my mortgage application and requested a refund. They refused to refund me the {$550.00} and furthermore issued me a declined credit application and sent me an adverse action notice. Now my credit has been hurt and in the future I will have to report that I was declined by a lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hello CFPB My name is XXXX XXXX i applied Chase XXXX XXXX Card and my application was declined with phony reason that supposedly i had unsatisfactory relationship with Chase Bank. I called spoke With XXXX department that created this baseless reason that i have unsatisfactory relationship. I was told i had XXXX XXXX XXXX and they closed it thats why its they can not approve my Chase XXXX Personal Card. It's true i had Chase XXXX XXXX  Card and had balance but since they closed my card i already paid off my balance and did not violated credit card agreement. I want please investigate this biased situation and approve my Chase XXXX Credit Card Application. I have great Credit And i'm very responsible borrower. Chase Makes up baseless reasons and closes credit card and then did not approve application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received an American Express gift card for {$100.00}. I tried using it at XXXX XXXX, an online clothing store and at XXXX. It was rejected everywhere. Online forums say that this is typical. I submitted questions online and talked to someone at American Express, but they wouldn't help. They just said useless things like to check the balance. They basically that I had to keep trying to find a retailer that would take it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023 & XXXX Date of Inquiry XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: NJ
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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been denied loans and credit cards, due to my credit report/history. XXXX XXXX XXXX reported the wrong amount to National Credit System for collections. I have reached out to the company and requested my lease for XXXX to prove I signed a six month lease and the ledger. I was only provided the ledger and was told someone would contact me regarding the lease. I have been waiting for a response since XX/XX/XXXX. 

In XXXX I moved into the property under a different owner and paid 2.5 of rent amount which was roughly {$2100.00}. ( XXXX ) for deposit amount. The property was sold to XXXX XXXX about 3 months into the lease agreement. Which caused my rent to increase to XXXX. My lease expired XX/XX/XXXX. I was experiencing a financial hardship and decided to request a month to month lease, which was denied. There for I was approved to sign a six month lease. 
However ; unforeseen circumstances took place and my family had to vacate the premises in XXXX which was within 4 months of that six month lease agreement. I discovered I was wrongfully charged the remainder of the year XXXX. I understand that I currently owe National Credit System a balance of XXXX including the month of XXXX and XXXX. My second concern is my full deposit amount of {$2100.00} which was not applied to the balance owed of {$4500.00}. 

Per XXXX XXXX XXXX my deposit amount was only XXXX and I owe XXXX after deducting the past due balance which is incorrect. The reported amount of {$6800.00} to National Credit System is not the correct amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: FREEDOM FINANCIAL NETWORK
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I signed up with Freedom Debt Relief in spring 2019 because I had overwhelming debt and wanted to get it paid. I was directed to not make anymore payments towards my debts and that they could help me lower them to one monthly fee. I was also told that there would be no charges until my settlements were taken care of. The company took out a total of {$5700.00} from my account and often sent me notices that they had reached a settlement offer and I needed to approve the offers so I did. Almost every debt I have claims they were never contacted and during my time with Freedom Debt Relief I had two judgements placed on me. I took screenshots of all fees charged to me and at one point there was a settle fee in the amount of {$840.00} for Freedom Debt Relief. Only one account was handled by this company and that was for {$500.00}. I requested for my money to be returned to me and they refused stating the money is theirs for fees owed. I am now trying to dig my way out of the debt myself and was scammed out of all that money I could be using to take care of these debts they promised they would handle. Also, I was told in the beginning I was in a 2 year program and this would be handled by now. Nothing was done for me by them. Im in a worse position than I was when I was quick talked into signing with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) account # XXXX, also XXXX XXXX XXXX XXXX account # 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 a account without my written instructions

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 2021-10-26
Company: EQUIFAX, INC.
State: TX
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:
XXXX is reporting inaccurate information to three major bureaus and this is hurting my credit score. They are reporting that I owe a balance of {$2900.00} The payment status is charged off but they keep updating the file. Also they are listing different information to each of the three major bureaus. They reported to XXXX  that their last date reported was XX/XX/XXXX, they reported to XXXX that their last date reported was XX/XX/XXXX, and reported to equifax that their last date reported was XX/XX/XXXX. There is also inconsistencies with the date opened. XXXX states that this account was opened XX/XX/XXXX, Equifax shows that this account was open XX/XX/XXXX as well as XXXX. To my understanding everything must match when reported to each bureaus. This account is reporting with much inconsistencies as well as false information.

Company response to consumer: Closed with explanation