BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-20
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested that this company validate this debt (see attached), which they failed to do, I do not know what it is for, because they failed to validate it, and I do not know what the heck they are doing on my credit report! Please help me! I'm trying to buy my first house, and I don't know why this company keeps harassing me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions 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:
I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX - XXXX... 
XXXX CARD - XXXX... 
XXXX XXXX XXXX XXXX - XXXX... 
XXXX XXXX XXXX - XXXX... 

I have attached a copy of my ID for identity verification and a bill for address verification.

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 2019-03-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I got a summons to appear about a debt that I thought I had paid off years ago, after I had been out of work for a year due to XXXX around XXXX have paid several credit loans off, I called to set up a payment plan. They wanted XXXX , so I got a bank check from Wells Fargo and mailed it to the Law Office of XXXX XXXX XXXX in XXXX XXXX ( XXXX ). Wells Fargo, today removed the remaining XXXX $ in my checking account and created a XXXX $ overdraft. I went to the bank at noon to put a stop payment on the bank check and they refused, I paid the XXXX $ to be able to close the account, and they still refused to close the account. I would have been happy to set up a payment plan, but not after this and I will do no more business with Wells Fargo. My court date is XX/XX/19 and I'll need that XXXX $ for a lawyer. Like I said, I would have been happy to set up a payment plan, but not through Wells Fargo. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: FL
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:
It has been seven years since my Bankruptcy was discharged. I am requesting that the public record be removed from my credit report. 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
Consumer complaint received 2023-07-14
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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: FL
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: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20
Company: MARINER FINANCE, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a loan from Mariner Finance 3 months ago approximately {$5000.00} with a promise to Pay interest up to {$7000.00} extra. I had no problem wit this because I planned to Pay the principal balance off before in 3 2mths which would be way before my end date. After my XX/XX/XXXX Payment I was told my Pay off balance was {$5500.00}. After my XX/XX/XXXX payment I was told my Pay off balance was XXXX. After my XX/XX/XXXX payment I was told my Pay off balance was XXXX. Now that it is XX/XX/XXXX I payed my bill of {$230.00}. I was told my payoff balance is XXXX. I am not a finance major but I know from previous experiences with purchasing that my Pay off balance should not go up. I don't know what Mariner Finance is  doing with my account. I NEED SOMEONE TO LOOK INTO FRAUD IT EXTRA CHARGES TO MY ACCOUNT PLEASE.

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 2023-09-14
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was notified through my VA loan officer that XXXX placed a collection on my credit through CCS, I called XXXX and they stated that it was an error and my account was paid prior to the collection date and it should have been corrected and that they would send me the documentation and I could send it to the Credit collection company which I did. The company told me that they would not remove the collection and that it would show as a closed account I sent over proof my account was not closed and open and it was paid in full also that the DATES were inaccurate and that it would need to be corrected, the gentlemen told me he would not do nothing and said I could pay the amount, which was already paid directly to XXXX to keep the POLICY open and that I would not pay a double cost to a payment already made, which the gentlemen told me then it would stay on my credit report and good luck.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This information the XXXX XXXX XXXX XXXX is reporting on my credit file is not my bill or account this has been on my credit for 5 years and is affecting my credit by law its is not right to report false information on my credit report by law I will sus this company if this is not removed this is Fraudulent That this company can do somethings like this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: DISCOVER BANK
State: CA
Product: Credit reporting 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:
I began using the Discover student credit card about 6 months ago and have awaited my credit score from the credit bureaus. However, despite checking multiple times, I have not seen any activity, credit history, or credit account listed on my XXXX or any other credit bureau 's website. Initially, I thought it might be because I was new to credit and it was my first credit card. But after hearing from others who reported seeing their card and activity listed within three months or less, I became uncertain about the issue. 

I tried to address any potential discrepancies in my information, such as my address or name. However, as I can see both hard and soft inquiries, I believe my account has been correctly identified. Nonetheless, the credit card and its associated activity have not been registered, resulting in the absence of any credit score. My initial suspicion was that Discover might not be reporting my account, but after confirming with them several times, they have assured me that reporting is done in every cycle, including off-cycle reporting. 

During my last contact with Discover, they initiated a case to investigate the issue. However, I still remain uncertain about why I can not see my credit card loan and activity listed on the credit bureaus ' accounts, even after reporting has allegedly taken place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I got a phone call from XXXX requested some payments from me about a debt I was not aware of. When I asked a copy of the invoice they never sent it to me. Therefore, I feel unsafe to share any information with them, even though they have been pressing me to verify my social security number, to such request I declined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXXXXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Date of inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX of inquiry : XX/XX/XXXX ; XXXX Date XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My personal information ( identity ), debit cards and multiple credit cards were stolen with my cellphone on the night of XX/XX/2019 my chase accounts were accessed fraudulently and my account info was changed without my permission or knowledge in regard to my pin, atm withdrawal limits, overdraft protection, and online banking login credentials. A blonde female unknown to me wearing green accesses my account at atm at XXXX XXXX XXXX XXXX XXXX La and made 2 withdrawals in the amount of {$200.00} and {$800.00} at approx XXXX and XXXX AM morning Of XXXX XXXX. Local police have provided me with image from ATM from Corporate Security ( image has been attached with this complaint ). I have reported these fraudulent transactions to Chase multiple times and I have submitted two police reports in regard to the above. In addition to the unauthorized atm withdrawals, Multiple individuals including the blonde female in green and two other gentlemen were noted in XXXX police report submitted to chase bank using my stole. Credit and debit cards at approximately XXXX AM the morning of XX/XX/2019. Chase has determined that the debit and credit card charges made were fraud but indicates the atm withdraws total of {$1000.00} were correct. I did not make, permit, or authorize any atm withdrawals by any individuals. And I did not make the atm withdrawal. I have photo showing gurl in green making the atm withdrawal provided by XXXX XXXX police officer detective XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The credit bureaus have been playin scare tacted games to the point they lie and dont even want to dispute or remove inaccurate accounts that seem to misleading all creditors when i try to apply for credit i get denied because of the mislreading and inaccurate the credit bureause report. I have sent letters and even faxed asking and showing proof of how they are violating my consumer rights. Then they will respond to the CFPB like they are following the laws and consumer rights. I have several upload and document to show and prodd what they send me when i request for accounts to be removed or verified correctly.

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 2022-10-18
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Square Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 I authorized a transaction for {$250.00} via Cash App to a local person for a 70 inch TV that I was suppose to receive later that night. We have had dealings in the past so I thought I could trust him but I was wrong. On XX/XX/2021 I sent him a request via Cash App for the money back because I still did not have the TV in my possession he declined it. I also wrote him messages via XXXX asking if he had the TV or not and if not send my {$250.00} back. He never responded so I contacted my bank XXXX to dispute the charges on XX/XX/2021. I received a notice on XX/XX/2021 stating the transaction was authorized or correct and they are reversing the money back to the person for the item I never received. I called XXXX XX/XX/2021 after noticing my account was overdrawn for over {$200.00}. They informed me that they did not have the authority to get the funds for me because Cash App is a separate medium and Ill have to go through them to get my money back which is unbelievable because I disputed a {$25.00} Cash App transaction through XXXX the same day as the {$250.00} transaction. It was approved and final.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Experian Information Solutions Inc.
State: FL
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Genesis FS Card Services, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received correspondence in the mail from Milestone credit card from Genisis FS Card Services. They offered what I belived were favorable terms for someone trying to rebuild thier credit history. The annual fee was only supposed to be {$39.00} with the option of getting a credit limit increase after 6 months of on time minimum payments. However after nearly a year of ontime payments and no late or missed payments to them they began charging me an annual fee of {$49.00}. I called about the discrepency and was told there was nothing they could do. I also inquired about the credit limit increase I was due, only to be told that customers would have to pay at least {$100.00} a month to even be considered for a limit increase. This was not dislosed when I signed up for this card. I would not have signed up if these were the terms. This seems to be a classic bait and switch scenario and maybe I can help someone else before they fall for this scheme. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have received 4 different letters in the mail, from 4 different companies ( Target, XXXX some outdoor store in OH, and XXXX ), saying that either the application was denied due to credit score or lack of information. One application said it was approved, and I still need to contact them to close it, but need to wait until after the weekend. 

I unfortunately didnt keep the paperwork after calling the companies, so I dont remember the exact dates, but they were all around mid-late XXXX 2021. All of the companies filed a fraud report and closed the accounts that I received letters for.

Company response to consumer: Closed with explanation