BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-01
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:
According to the Federal Credit Reporting Act, XXXX is requited to only list factual information. Any information that is not factual must com off your credit report. XXXX list the following unfactual information. 

XXXX XXXXStatus is incorrect. Type of Account is incorrect. Please remove XXXX XXXX-Never had an account with them, have a signed contract and never did business with this company. Please remove XXXX/XXXX-Payment history is incorrect. you can not have two 120 days past due consecutively in a row XXXX XXXX XXXX ( 4 tradelines ) -Current Payment status is incorrect and last payment received is incorrect. Please remove.

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 2021-07-19
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Multiple calls daily since XX/XX/2021. Ive even sent an certified letter to them to stop calling me and theyre still calling!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian fails to correct the balance on my XXXX XXXX credit card, card has a zero balance and Experian fails to update the balance on my bureau

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 2020-09-23
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX. A negative mark because the card was closed. I gave no such permission to close a card I never knew I had in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: EQUIFAX, 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:
In my credit report I have a 30 day late payment report on XX/XX/2017 report by XXXX XXXX /ACCOUNT NUMBER XXXX .... 
The information is incorrect and should be corrected to no late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Attention : Equifax This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX Made on : XXXX Made with : Equifax Made by : XXXX XXXX XXXX  Made on : XXXX Made with : Equifax Made by : XXXX XXXX Made on : XXXX Made with : Equifax Made by : XXXX Made on : XXXX Made with : Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE DEROGATORies WHICH HAVE BEEN TARNISHING MY CREDIT FILE, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2021-07-19
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After thinking this issue was solved because Synchrony Bank sent me a letter stating that after their investigation they will remove the account off of all three consumer reports on XXXX XXXX. The account came off TransUnion but another one popped up on all three bureau with a different account number. After talking to the credit bureaus I was told that say that Synchrony Bank stated that they had been reporting wrong information such as account number, date opened and past due payments and now they are sure that is my account. I have asked for supporting documents to validate this change because I am certain this is false information also and neither Credit Bureau has answered me or produce any supporting documents. I would like to know how all of a sudden all the information about account was able to change just be accepted after disputing this multiply time and it keep coming back validated. This account started reporting back in XXXX and I have not received anything in the mail from the credit Bureau or Synchrony stated that this would even be placed on my consumer report.

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 2020-06-28
Company: U.S. BANCORP
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Yesterday, XX/XX/XXXX, a company fraudulently tried to extort {$3200.00} from me. Then the lady, XXXX XXXX, Supervisor, said I could pay {$680.00} by Monday, XX/XX/XXXX to not be subpoenaed ( with or by ) XXXX County or for me to have to get an attorney and go to court. I do not know anything about this issue. She was threatening me with the attitude, " pay up now ''! Via phone she said this was " reported in XXXX. '' She said they sent letters to me, and I never received any letters she suggested they sent. This was extremely upsetting to me. I obey the law and do not have any credit issues. I am on Social Security. I felt harassed and that she was pushing to take advantage of me. She did say that XXXX. XXXX  was a legal firm, and the Creditor was US Bank! She was a fast talker and had me in knots. 
I did give her my email address, so she could send their letter to me on XX/XX/XXXX. It shows on their letterhead, XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX, phone XXXX. That letter they sent to me via email will not print, and it won't allow me to forward the letter either. Their phone number shows up as TxTag, where people can pay for highway tolls in TX! I believe this is fraud and I.D . theft. Please help stop this fraud against me.

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 2021-03-05
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:
On XXXX I sent out an initial dispute stating my concerns of fraudulent activity on my credit file, I just recently checked my credit report and there were actually no changes at all to my credit report. I then sent out an additional dispute on XX/XX/2020, the XXXX card still remains on my credit, not sure why this is happening. I am very concerned about this and this is hurting my financial future. Under 605B of the FCRA you must block these accounts within 4 business days of receiving the dispute and its been well past that which is a violation under the FCRA. Pursuant to 611 of FCRA please reinvestigate these accounts and block them within 4 business days of receiving this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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: Problem with personal statement of dispute

Complaint:
I disputed the validity of a debt. The company reported the debt as having been paid, when my dispute was that the debt ever existed.

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 2021-07-19
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a confirmation from Wells Fargo stating my auto-payment would be withdrawn from my checking account on XX/XX/XXXX. The auto-draft did not occur and Wells Fargo charged me a late fee and reported me late to the credit bureau. Then I got a late notice so I paid the XX/XX/XXXX payment, late fee, and the XX/XX/XXXX payment from my checking account on XX/XX/XXXX. Then Wells Fargo auto-drafted my account for the XX/XX/XXXX payment that was due and applied it to the XX/XX/XXXX due date. I filed a complaint on XX/XX/XXXX with Wells Fargo and received an acknowledgment. Then I called to check on the status of my complaint. I spoke to XXXX XXXX at XXXX ext. XXXX. I told her I had confirmation from Wells Fargo that the XX/XX/XXXX payment would be auto-drafted from my checking account ; XXXX confirmed she saw the same confirmation and would resolve it. I asked for the resolution to be sent in writing. I still have not received any resolution as of XXXX. My Wells Fargo complaint number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Paypal Holdings, Inc
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have had a PayPal account for many years and use it only infrequently for small purchases. I recently sold a surplus item on XXXX for about {$440.00} and the buyer paid via Paypal. That transaction closed successfully but I did not withdraw the funds and intended to " spend '' them on future small transactions. 

This week I sold another item on XXXX for a total of {$890.00} + tax. The buyer paid via PayPal but the transaction remained " pending '' for 2 days. I determined that the buyer had used my personal email account for the payment and that email address is not linked to my PayPal account. I added my personal email account and the payment completed within the hour. 

PayPal then immediately and permanently locked my account so that funds are not accessible and I am no longer permitted to use PayPal. I have made repeated attempts to find out why this was done or at least explain the circumstances leading to this but PayPal has only responded that my account is locked and their policy is not to disclose why. 

I'm told that PayPal will hold the funds in my account for 180 days and then contact me to tell me if the funds can be withdrawn. 

I was able to initiate a refund to my buyer but I'm concerned at PayPal 's ability to do this without warning or explanation. XXXX searches have revealed that this is not uncommon and other PayPal users have been similarly stonewalled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
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:
Currently on all XXXX and XXXX my car loan is saying account is closed. I`m currently paying on my loan every month and I have the car in my possession. I have been trying for 4 months to fix this problem, Its hurting my credit. I have alerts sent to my phone saying that I missed a payment when I really don't.

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 2020-08-20
Company: Recovco Mortgage Management, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Our closing date was originally scheduled for XX/XX/XXXX but we never received the clear to close from XXXX XXXX. We and multiple individuals on our behalf have been trying to receive an answer on what is delaying this process for the past 5 days and no one will return our calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This company is not updating my on my auto loan showing my principal is decreasing which in prohibited by FCRA the information theyre reporting is not my true balance. My true balance is XXXX as XX/XX/2019 and my credit bureau report is reporting XXXX which that was my loan balance way back XX/XX/2019. This company is neglecting to report true and accurate updates to my report which is unethical and prohibited by law. When I called they told me that they update monthly but no remedy has been giving to resolve my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: WELLS FARGO & COMPANY
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I received a letter regarding the poa request for Mrs. XXXX. The letter notes XXXX. The poa request related to a like of credit and NOT XXXX. I am concerned about this and why the company is so incompetent with handling matters. 

Thanks, Cc : consumer financial protection

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 2020-06-30
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX  will not delete a 10 yr old account from my credit report. Its been delinquent since 2011 and and they will not make Santander the creditor show the correct information showing the entire delinquency nor remove the account which was delinquent each year from XXXX and every single year stayed delinquent since then. Further more santander states loan was XXXX payments XXXX a month but a balance still due off over XXXX. This backs up the fact the account was delinquent the entire life of the loan and was repoed yearly. The account was never current XXXX again. Being 10 yr old account should be removed. Especially since Santander agreed to remove previously

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-20
Company: VW Credit
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/19 My credit was run twice, once through VW Credit ( My lender on my car loan ) and once by the dealership ( XXXX XXXX ) I called VW Credit and they were not properly able to explain why the dealership had run my credit even though they were not my lender. This dealership also completely manipulated the buying process for me in which I will be creating a separate complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Nationwide Recovery Systems, Ltd
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is NATIONWIDE RECOVERY SYSTEMS # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, NATIONWIDE RECOVERY SYSTEMS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) NATIONWIDE RECOVERY SYSTEMS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation NATIONWIDE RECOVERY SYSTEMS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where NATIONWIDE RECOVERY SYSTEMS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. NATIONWIDE RECOVERY SYSTEMS has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I didn't open any of these accounts I am apostate this is happening to me, please remove this from my credit report thank you. This is Fraud and every level and this need to stop I'm very stressed out that this is happening to me again please remove this from my credit thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital One bank is incorrectly reporting my credit card accounts that I have with them. I currently have two accounts, and only one is being reported. To make matters even worse, the account that is not being reported is the account that is in good standing where I have not had a late payment in 2 years and have received several credit limit increases. How can a company have such a blatant oversight that adversely affects one 's credit and finances? I submitted a dispute in this regard in XX/XX/2019 and no updates were made to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: ID Analytics, 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: Account information incorrect

Complaint:
I received a letter from SageStream. Who are they? Why are they contacting me and giving me a low credit score. Much lower than the three main credit reporting agencies. How are they able to do this and companies will use this score to deny credit or charge extra fees. I do not think that this is correct, and I feel that they exist to make money off of giving out this low balled credit scores. Where did they come from and how are they operating. I have never heard about them unti my husband and I have worked to get our credit score up way over 700 with the other credible reporting company. They then appear with this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern : I am currently on my third round of letters to the major credit bureaus ( i.e., Experian, XXXX, XXXX  XXXX as it relates to verifying or removing erroneous items on my credit file. 

In my letters to the bureaus, I informed them that per the FCRA, they are required to have a copy of the original creditors ' documentation on file to verify that the information is mine and is correct. 

I sent out my first letter to Experian, Experian, and XXXX  on XX/XX/2020. 

Despite several written requests for the bureaus to verify or remove the erroneous items from my credit file, they continue to respond with generic response letters claiming to have verified my accounts. 

As of this message on XX/XX/2020, Experian, XXXX, and XXXX  have NOT provided me with any original documentation or consumer contract ( s ) with my signature. The bureaus have further failed to provide their method ( s ) of verification. 

Their callous and blatant disregard to obey the law and keeping those erroneous items on my credit report is causing irreparable harm to my credit score, hurting my ability to obtain credit, and preventing me from acquiring personal and business financial products. 

Thank 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 explanation