BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-08
Company: Experian Information Solutions Inc.
State: MD
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 have obtained a new copy of my credit report while going through it carefully I noticed that on several accounts Experian has placed in the 'Status Details ' in the 'Your Statement ' area. This is evident because other accounts have this placed in that area. <P/>I have not noticed until now that it is suppose to be the outcome results but they have deceptively placed things that I have not authorized to be there, nor made a determination to those exact statements that are used by CRA 's placed there. <P/>These accounts are XXXX XXXX with a statement that reads : Your Statement : Account previously in dispute - investigation complete, reported by data furnisher. <P/>XXXX XXXX : Your Statement : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) XXXX XXXX, which I never disputed there is a statement that reads : Your Statement : Account previously in dispute - investigation complete, reported by data furnisher XXXX XXXX XXXX, which I also never disputed there is a statement that reads : Your Statement : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) XXXX XXXX, in which I had 2 accounts because one car was lost/stolen and that was the one was disputed but the current account that is listed I did not dispute however it has a statement that reads : Your Statement : Account previously in dispute - investigation complete, reported by data furnisher I do not understand why statements of this nature are being placed as if I suggested this in the manner and context of this verbiage. You as an advocate on my behalf to ensure that accurate and truthful information is being reported. I believe that you definitely understand that this IS NOT accurate reporting.

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 2017-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a BK that Transunion is reporting on my credit file. When someone stole my identity they got home loans, credit cards, etc. I have never filed for BK. I attached the police report and Transunion refuses to remove this from my credit report. They are refusing to use the police report that I sent.

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 2022-08-12
Company: Experian Information Solutions Inc.
State: VA
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:
My info has been used to try to obtain credit so my credit has a whole lot of soft and hard inquiries

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 2019-04-09
Company: WELLS FARGO & COMPANY
State: GA
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:
Wells Fargo allowed for a credit card to be opened in my name by someone who obtained my information as a result of identity theft. I have in the past been a victim of identity theft, and since the I have struggled with having multiple accounts opened in my name and social security. I have notified Wells Fargo, and all 3 credit reporting agencies that this account was opened as a result of identity theft and I have provided a police report, but Wells Fargo has refused to remove the fraudulent account out of my name and both XXXX  and XXXX have continued to report the fraudulent account even though I also told them this account was fraudulent and I have also provided them a copy of the same police report. All 3 of these companies are violating my rights and are refusing to remove this fraudulent account from my credit file and therefor they are violating my rights to good credit and are violating the FCRA Section 605 ( B ). I have sent certified letters to all 3 of these companies and they have continued to ignore me. This account is fraudulent and was opened as a result of identity theft.

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 2019-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
************UNKNOWN INQUIRE ON MY CREDIT BUREAU SUCH AS XXXX AND XXXX XXXX XX/XX/2017 NAME OF COMPANY CAPITAL ONE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have had 57 loans with this company over several years. This particular loan of {$1000.00} was initiated XX/XX/XXXX, and like previous, payments were set up to automatically debit my checking account for 9 months. I was away the early part of XXXX taking care of my parents. When I returned XX/XX/XXXX I called the company to get a paid-in-full letter and was told by a lady named XXXX ( sp? ) they had deactivated the automatic payments in XXXX and failed to contact to me -they were using an old email address of XXXX from XXXX AND they did NOT call either of my work or home numbers, or send notification to my mailing address of XXXX XXXX XXXX , # XXXX, XXXX XXXX , CA XXXX. She updated my email address and noted I could make payments via their website portal. I did so and made payments monthly and the final payment on XX/XX/XXXX. Upon reviewing my credit report in XX/XX/XXXX I learned the company reported they charged the account off for {$890.00} on XX/XX/XXXX and did NOT report any of the payments I had made right up to paying the account off XX/XX/XXXX. Even after disputing with all three Credit Bureaus they first insisted no payments had been made, and the information they reported was accurate and the account was past due {$620.00}. On the second dispute I provided bank account statements to the Credit Bureaus showing the debits and final payment made XX/XX/XXXX. Now they have switched their position again and acknowledging payments were indeed made and claiming the account was charged off in XX/XX/XXXX when I called them for the paid-in-full letter. They are now reporting the account as charged off in XXXX and paid.

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 2020-02-15
Company: Advanced Collection Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Advanced Collection Bureau can not validate that I owe this supposed amount. In violation of law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: EQUIFAX, INC.
State: AZ
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:
Credit dispute My credit score dropped significantly without any explanation, on XX/XX/2021, my score was XXXX ' then on XX/XX/2021 my score dropped to XXXX then on XX/XX/2021 my scre dropped to XXXX. 

Call to XXXX I calkd XXXX about my credit score drop on XX/XX/XXXX to say why my score dropped and I got the repose below : to many inquiries : not enough credit reporting : short credit history My dispute to XXXX results As my credit report has not change with with any new information within the last 90 days how could this previously drop my score 85 points?. 

Phone calto Equifax On XX/XX/2021 Equfax representative told Mr my score dropped because of a dispute. 

My dispute to Equfax fax answer I have no dispute on file as of XX/XX/2021. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello my name is XXXX XXXX I am XXXX years old and have lived in my home almost my entire life due to my father building the home in XXXX for our family. I am going to try to make this as brief as possible because there is so much going on with my situation. 
I originally was with XXXX XXXX XXXX. After my mother passed away in XXXX I bought the home she and I lived in and have lived in since. I got a HELOC in XXXX. In XXXX I was getting a loan modification but they said I would do the Modification on the first loan and after I was approved I would work on the HELOC which was strange to me but trusted they were looking out for my best interest. It took them 24 months to approve the modification on my primary loan and then shortly after I received a charge off on the HELOC. Within these time framesI kept current on both the loan and the HELOC until they ( XXXX XXXX XXXX  ) told me it was charged off. After charge off was received I was told by the new lender XXXX XXXX XXXX that I was current and to keep paying on my primary loan which I have done up to XX/XX/XXXX. 
In XXXX of XXXX almost 10 years later I received a Notice of default on the HELOC loan I was very confused and tried to work things out with the new servicer which was Special Loan Servicing LLC. After 10 years of my thinking the HELOC was charged off I was absolutely shocked and frightened about what to do. I hired a lawyer and have been taken advantage of and mislead since. In late XXXX I was contacted by Special Loan Servings lawyer who said they would work with me if I dismissed the lawsuit. On XX/XX/XXXX I had borrow money from a friend to go have a consultation with a new lawyer because I had know idea what all this meant and felt I needed someone who was professional to help me. She was going to handle getting the Auction postponed so I would be allowed time for the modification and dismiss the lawsuit. Things have not progressed well since I hired her and now as of today she told me that Special Loan Servicing is not going to postpone auction and they will move forward with the foreclosure process. I am desperate and afraid of being on the street after XX/XX/XXXX which is the auction date. I have no more money to hire an attorney and writing to you is my last resort. I just wanted the opportunity to get the HELOC modified and I would begin to make payments, but they never allowed me that. Again I am current on my primary loan and never have missed a payment. Although I was advised by the newest lawyer to not make XXXX payment. She has dissolved our relationship as of today. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: CARVANT FINANCIAL LLC
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 filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I have not received any investigation results. 

XXXX XXXX XX/XX/XXXX {$2600.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$2600.00} XX/XX/XXXX {$4000.00} XXXX XXXX XX/XX/XXXX {$53.00} XXXX XXXX XX/XX/XXXX {$11000.00} CARVANT FINANCIAL LLC XX/XX/XXXX {$6500.00} XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$150.00} XXXX XXXX XX/XX/XXXX {$5300.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: BBVA FINANCIAL CORPORATION
State: TX
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 took out a home improvement loan at BBVA Compass in XXXX. I filed bankruptcy in XXXX and included this loan. However, Compass told me that if I didnt pay off the loan I would have a lien on my house. Therefore, I continued making payments despite the bankruptcy. In XXXX, I asked to settle the loan for an amount less than the balance, and the offer was accepted by XXXX XXXX at BBVA Compass. I made the payment for the settled amount. I asked for BBVA Compass to update credit report, which they agreed to but never did. In  XX/XX/XXXX, I received an email from XXXX XXXX stating the account had been settled for less than the full balance with no obligation effective XX/XX/XXXX. However as of this complaint the mechanic 's lien is still on my title and not allowing me to refinance my mortgage. I 've made SEVERAL attempts by phone, and no one ever calls me back. Then I received an email XXXX XXXX XXXX stating the lien would not be released until balance was paid, the on the same day at XXXX XXXX got email saying lien will be released, it ould take up to 3 days and up to 30 for court to process. Then XXXX XXXX at XXXX anothe email saying they are not releasing until balance paid. The on same day at XXXX another email saying it would be released but would take 5 days and XXXX for courts to process. No one answers my phone calls despite many calls and messages left. This has caused much stress and its keeping me from being able to proceed on my refinance. Please help me get this lien removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-15
Company: Square Inc
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XXXX my XXXX Prepaid Debit card ending in XXXX was used without my authorization or knowledge to make 3 transactions. The transactions occured on CashApp and a Square Payment Processor. Here are the transaction descriptions : 1.SQ*XXXX : {$500.00} 2.CashApp*XXXX : {$500.00} 3.SQ*XXXX : {$500.00} I immediately notified XXXX of my card being used without my permission and was told they couldn't do anything until the transactions posted. It is now 8 days later and the transactions are still pending. I again contacted XXXX, Square and CashApp with all of them essentially blaming the other ones and saying their is nothing they can do. I have been out over {$1500.00} for a WEEK! And I'm being told it will be ANOTHER WEEK before anything can be done. This is absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Southwest Credit Systems, L.P.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I discovered that a collection account was posted by Southwest Credit Systems ( SCS ) to my XXXX, XXXX, and XXXX consumer credit reports. The reports indicated that the amount owed was {$140.00}, and that the original creditor is XXXX. To date, I have yet to receive a letter from SCS regarding this collection account. However, based on the information provided by SCS to the three credit bureaus, this debt is not mine. Together, the credit reports indicated that the last payment made to the XXXX account was XX/XX/XXXX ; that the date of first delinquency was XX/XX/XXXX ; that there was an account review inquiry to XXXX by XXXX on XX/XX/XXXX ; and that the collection account was opened on XX/XX/XXXX ( see attached supporting documentation Enclosures 4, 5, and 6 ). While I previously had an account with XXXX, that account was closed in XXXX of XXXX. That account was also in good standing at the time of closure. All fees had been paid as the account was set on credit card autopay, including a close-out payment of {$18.00} on XX/XX/XXXX, and all equipment returned ( see attached supporting documentation Enclosures 1, 2, and 3 ). Since closing my XXXX account in XXXX, I have not opened another account with XXXX, and am not the person who made the XX/XX/XXXX payment to the XXXX account in collection. 

I am submitting this complaint directly to CFPB to address potential violations of the Fair Credit Reporting Act, and am refraining from submitting any communication to the collector ( Southwest Credit Systems ) independently out of concerns for my privacy. 

As a XXXX  supporting the COVID-19 response, this matter is distracting my attention and time from serving Oregonians. I would, therefore, greatly appreciate the CFPBs assistance in resolving this matter expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I never sign a contract with this company I need a legal document that I sign with this collectors. I stated to send me a copy of a contract that I sign and they get mad and use verbal abuse. By law I need them to send me a contract that I sign with this collection company. If they cant provie me with the contract I expect tonremoven feon my credit by law and my right as a consumer.This company is calling no answer really early and really late night.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I received an email notification to my current email address XXXX from XXXX XXXX that some one attempted to run my credit through XXXX XXXX and PayPal. i have used PayPal but in the past. I currently have a PayPal set up under my school email at XXXX XXXX XXXX XXXX  that's the one i use i got hacked and locked out of the other one. I called XXXX and there sending me a free credit report. also they verified with me that i have a fraud alert initial and extended that is place till XXXX. I also have a security alert and credit freeze with all three buraus though that stops accounts and transactions from being ran through and approved. it doesn't stop third party from attempting. I feel attempting to run something through some one else is still a crime even if its blocked and declined. 
I had no choice but to file this complaint to notify the feds that I recently moved and changed phone numbers. my old phone number is is not remembered at this time. my new number is XXXX my old address is XXXX XXXX XXXX XXXX in XXXX  XXXX , wi XXXX note this was a group home called XXXX XXXX  which XXXX know longer live at or am affiliated with. in XX/XX/XXXX i moved from the group home in XXXX XXXX, to the XXXX house at XXXX XXXX XXXX XXXX XXXX, wi XXXX this was also a transition apartment owned by the XXXX   XXXX XXXX XXXX owners. i left there in XX/XX/XXXX to move in to my own place in XXXX XXXX. my current address is XXXX XXXX XXXX XXXX XXXX wi XXXX. 
after calling XXXX  i attempted to check with PayPal my old account is still registered to my current email but im not getting the pass word resets because the text codes are going to who ever owns my old phone number. i was unable to reach a live person at pay pal and XXXX XXXX. please help me investigate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: CL Holdings LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is claiming I owed them and sold the debt to a collector who has refused to respond to certified mail regarding this debt. I do not owe XXXX any money, I was out of contract when I cancelled my plan with them in XXXX, I believe XXXX or XXXX, I would have to check my records further to confirm the year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Experian Information Solutions 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:
Experian I hope that the CFPB looks at your reporting on my account and contact you about the { fraudulent reporting } <reporting >. twice and validateing with company that does not own account, You also state you investigated but your report states you didn't do anything to investigate this is fraud. remove this alleged account at once both of them enclosed is my evidence of your fraud reporting. TEN days to respond your stated you investigated

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 2020-02-15
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:
For some reason this company XXXX  XXXX XXXX is on my credit report. Its reporting a loan. I never applied for this loan. I tried to contact this company. No response. When I called their customer service. It goes straight to voice mail. This seems like a scam. Someone got my person information and is getting credit. I have a fraud alert on file. No one called me to tell me someone applied for a loan. I was never notified. This is fraud and identity theft. This needs to come off my credit report. Its reading 30 days pass due, collections, Delinquents. This is not my account. XXXX.2019. This is not my account never Authorize anyone for this company to request a loan. There is not even an inquiry on my credit report from this company. I have no idea how they got my information and how they are reporting like they are.

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