BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-16
Company: Experian Information Solutions Inc.
State: UT
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 Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2017-06-26
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My friend called in to One Main Financial in XXXX, NC to make a payment for me. The lady who took the call,,, XXXX XXXX ... went into detail about my account to my friend. I know this is a violation of my consumer rights. I called their corporate office and filed a complaint. Asking for some type of compensation be done to my account. After jerking me around for a month, I receive a letter from them saying that, no harm was done to me because of this phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: MORTGAGE SOLUTIONS OF COLORADO
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
this company advertises it specializes in va home loans and helps vets get into a home. this false advertising because they don't. they are using a company that issues fraudulent scores and claims making it impossible to finance a house, they state in a letter of denial that my scores was XXXX from XXXX  which is a direct lie, the score issued from equifax is presently at XXXX  and has been for over 3 months now. The name of the company issuing the data is XXXX XXXX, their name should be XXXX XXXX. After doing some research on this company i find they are doing this to a lot of folks, numerous complaints and charges have been made against this company. They do unauthorized credit checks and list incorrect information continuously

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: First Associates Loan Servicing LLC
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: Account information incorrect

Complaint:
I had a personal loan with this company, and i paid this loan off on XX/XX/2018.i was informed at the time that this account would be closed within 30 days.but as of this date that account still exist on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WA
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:
Recently Equifax reported a hack that compromised the personal information of some 148 million people, me included. This hack went undisclosed to the public for almost a month leaving all those people vulnerable to identity theft as they were unaware and likely did not take steps to protect themselves. The fact that they waited so long to inform the public is extremely negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is the 2nd time I am reporting because I never heard from the company about the 1st time ( I also have called CPFB 3 times as I cant login ) and most importantly I now have all my reciepts, statements and proof of payments I made.

Home depot credit card services has somehow messed up the accounting on my bill adding the same purchase back on my bill after it was paid and then refusing to acknowledge the 2 letters with proof I send certified on XX/XX/XXXX and again in XXXX. I also requested copies of my statements for XXXX - XXXX twice and was sent a home depo ad. I called and got hung up on and then they said they did not recieve my dispute ( they did because they signed for it both times ) On XX/XX/XXXX my balance was {$68.00}. On XX/XX/XXXX I made a purchase of {$330.00} & on XX/XX/XXXX XXXX for XXXX. Total purchases for XXXX and XXXX plus my previous balance {$950.00}. I then returned 7 boxes of vinyl because I over bought too many on XX/XX/XXXX for {$170.00} then XX/XX/XXXX for {$64.00}. On XX/XX/XXXX a return for {$60.00} XX/XX/XXXX, {$60.00}, XXXX {$17.00} & XX/XX/XXXX for {$25.00} Total {$400.00}. 
I made XXXX payments in XXXX and XXXX. XX/XX/XXXX for {$200.00} and XX/XX/XXXX of {$150.00} .total {$350.00}. Take my purchases and previous balance {$950.00} minus refunds {$400.00} minus my payments {$350.00} .leaves me owing home depot card {$200.00}. 
I get my XXXX statement in XXXX of {$1200.00}. 
I had lost my card in XXXX so they issued a new one and put a balance transfer from account XXXX of {$700.00} then charged me again {$550.00} on account XXXX for my purchase in back in XXXX. What happened to all my refunds and payments which i will upload i have every single one. But i had to keep on paying this to avoid collections. I over paid by XXXX because they ignored both billing disputes I made 6 months ago and they are still charging me. What happened to they have to fix the dispute or at least investigate within 2 billing cycles or be fined? Its been 11 billing cycles 4 disputes and i havent got any response personally from them. They now owe me a lot of money since i now can proove it. People save every reciept and payment you make or they will just keep up this scam or whatever you want to call it ignoring a consumer and just keep billing and billing. Its insane how much work and time i have put into this and still no results just bill 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 2018-10-27
Company: SYNCHRONY FINANCIAL
State: CA
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:
Today XX/XX/18, I received a notice from XXXX XXXX that SYNCB ran a hard inquiry on my credit. I did not apply for credit not did I authorize a credit check. 

After researching the matter online, I found many others with the same issue, reporting that it was next to impossible to have the check removed through the company or 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 2019-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2018-10-27
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
To Security Department of XXXX : There is a criminal element/culprit exploiting XXXX   as a platform from which to attack our XXXX XXXX XXXX corporate checking account. Thus far this thief/thieves has/have stolen a total of {$240.00} across 6 transactions ( the latest occurring this morning ). Please kindly coordinate investigation at XXXX and cooperate with XXXX XXXX XXXX, which has opened a fraud investigation. 
This is also being reported to the FBI. 

Processing Transaction layer ACH HOLD XXXX PAYMENT ON XX/XX/XXXX activity type debit status type icon pending Processing. Select to mark activity type debit XXXX ACH HOLD XXXX PAYMENT ON XX/XX/XXXX as Reconciled XXXX XX/XX/2018 Show additional information for activity type other payment XXXX DES : PAYMENT ID:XXXX INDN : CO ID:XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX  DES : PAYMENT ID:XXXX INDN : CO ID:XXXX WEB as Reconciled XXXX XX/XX/2018 Show additional information for activity type other payment XXXX DES : PAYMENT ID:XXXX INDN : CO ID:XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX DES : PAYMENT ID:XXXX INDN : CO ID:XXXX WEB as Reconciled XXXX XX/XX/2018 Show additional information for activity type other payment XXXX DES : PAYMENT ID:XXXX INDN : CO ID:XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX DES : PAYMENT ID:XXXX INDN : CO ID:XXXX  WEB as Reconciled XXXX XX/XX/2018 Show additional information for activity type other payment XXXX DES : PAYMENT ID:XXXX INDN : CO ID:XXXX  WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX DES : PAYMENT ID:XXXX  INDN : CO ID:XXXX WEB as Reconciled XXXX XX/XX/2018 Show additional information for activity type other payment XXXX DES : PAYMENT ID:XXXX INDN : CO ID:XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX DES : PAYMENT ID:XXXX INDN : CO ID:XXXX WEB as Reconciled XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
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:
This is my second attempt to reach out to your company. It has been 90 days since Ive received any response from your company. I have attached a letter and I would like for you to perform an internal investigation and remove the erroneous accounts you have listed on my report. I have attached an FTC report. I am allowing 5 days for your company to remove the erroneous accounts off my report permanently. I have record that this is my second attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: EQUIFAX, INC.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I recently reached out to the three bureaus because I checked my credit report and it was a lot of fraudulent accounts that I did not authorized..it was a XXXX card, amount is XXXX that is fraudulent, two XXXX XXXX cards that were fraudulent. also a XXXX XXXX credit card that is fraudulent.. I reached out to the bureaus and provided all the necessary documents for identity theft ... XXXX honored my request. Equifax didn't. XXXX honored it by deleing the accounts but today one of the showed back up.. I completely have no knowledge of those accounts and I will not stop until justice is served.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: AES/PHEAA
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:
I'm just worried about the credibility and clarity of the present examination and also the missed payments pertaining to this particular account and how it is reporting on my credit report. Just about 45 days ago I applied for an assessment for the reason that I felt the item is not being submitted lately. To my shock I was given a document documenting that your evaluation was accomplished and that the item had been " affirmed as correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Currently all three credit agencies XXXX, transunion, and XXXX   have on my account that I have had a real estate foreclosure. This is incorrect as I still own this property and the bank has not been able to successfully foreclose threw court. The mortgage has a lot of issues and is currently in legal proceedings. I find it that reporting I have a forecloser is purposely damaging my credit report. They have been asked to remove this from my report. Until they receive court documents from the state hawaii that verify in fact that this property has been foreclosed on this should not be on my record or listed as a forecloser. The court has not made a decision on this matter since being in court since XXXX till current. It is not the credit reporting agencies right to report false information due to the request of a third party and has for the last couple years adversely effected my credit score and credit decision and has cause damage to my credit worthiness. This matter has been brought before and asked to be removed and hasn't. This mortgage debit is also over seven years old and payment hasn't been made since XXXX due to banks failure to provide information on who payments where being made to and other issues outside of a credit reporting agencies business of reporting credit related items. This violates credit fairness and truth. That a third party having nothing to do with the mortgage and loan was allowed to make this request and it be included on my 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 2021-10-13
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
PLEASE REFER THIS COMPLAINT TO ( OCC ) OFFICE OF THE COMPTROLLER OF THE CURRENCY. There is a billing error on my account. The balance is reflected in a positive amount. I was also never given the disclosures specified in 12 CFR XXXX Treatment of credit balances. XXXX Treatment of credit balances. When a credit balance in excess of {$1.00} is created in connection with a transaction ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of a consumer ), the creditor shall : ( a ) Credit the amount of the credit balance to the consumer 's account ; ( b ) Refund any part of the remaining credit balance, upon the written request of the consumer; and ( c ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than 6 months, except that no further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Hiday & Ricke, P.A.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a notice in XX/XX/XXXX that Hiday & Ricke P.A had bought an old judgment for a returned vehicle. The amount stated was XXXX Two months later H & R, contacted my company and started a garnishment, without a court order. On XX/XX/XXXXthey filed in court for a garnishment for the amount of XXXX. As of this date:XX/XX/XXXX they have received XXXX  and have not notified my employer that the debt is paid. Phone calls to the office are never returned. XXXX XXXX XXXX  is the lawyer that has shown up for the two hearings on the matter and the only signatury on the majority of the paperwork I have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions 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:
Experian will not delete a 10 yr old account from my credit report. Its been delinquent since XX/XX/XXXX and and they will not make XXXX 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 XXXX  states loan was XXXX payments XXXX a month but a balance still due off over 14,000. This backs up the fact the account was delinquent the entire life of the loan and was repoed yearly. The account was never current n again. Being 10 yr old account should be removed. Especially since XXXX agreed to remove previously

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 2020-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, OR XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents

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 2018-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Debt collector keep calling asking me to verify home address and last four digits of social security number. Debt is over 15 years old and not even on my credit report. Have told them numerous times to not contact me any further!

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 2019-05-20
Company: EQUIFAX, INC.
State: OH
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:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX   accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 15, 16 and 17 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1.  This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2015 XXXX XXXX filed on my credit that I owe them {$85.00} I do not. I have never done business with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Continental Finance Company, LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit report and saw I had a account for collections, but I didnt open this account continental finance Acct # 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