BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-09
Company: Experian Information Solutions Inc.
State: AL
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:
MY EX WIFE OPENED SEVERAL ACCOUNTS IN MY NAME AS WELL AS TOOK OVER A FEW ACCOUNTS. I FILED A POLICE REPORT AS WELL AS AN ID THEFT REPORT. I HAVE SUBMITTED THE INFORMATION MULTIPLE TIMES AS WELL AS UPLOADED THE REPORTS, AND THE CREDIT AGENCIES HAVE STILL NOT REMOVED THE ACCOUNTS.

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 2017-09-15
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For a little over a week I have been getting 4-5 calls per day for medical debt collection that is a result of the doctor incorrectly coding the procedure. The procedure, as verified by my primary care doctor and my insurance provider, is covered 100 % by preventative, but, the doctor 's office that performed the procedure ( and acknowledged with me that the entire procedure was preventative and NOT diagnostic ) coded it incorrectly ( against what they said and agreed was preventative ) as diagnostic. So, it is a simple fix for them to get their money and they, for some reason, still keep insisting the account is not paid ( because they have not changed the XXXX coding to preventative ). 

Transworld ( I talked to a supervisor today named XXXX XXXX XXXX has been calling 4-5 times a day for collection including as early as XXXX and as late as XXXX. It was once a day for about two weeks and beginning last Thursday, XXXX XXXX 2017 it has been 4-5 times a day including one Saturday call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: TX
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 am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are XXXX unauthorized item listed. As I am sure you are aware, it is my right to request a proper investigation into these fraudulent items. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following items, I wish to dispute on my consumer report : XXXX XXXX XXXX  XXXX. By Federal law you are required to list complete accurate information and you are listing fraudulent items. Per Federal Law when a consumer informs the consumer reporting agencies of Identity Theft, you must block or remove any information on the report that is the result of identity theft. I have attached a copy of my Identity Theft report Per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: EQUIFAX, INC.
State: NC
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 never been late on the following account and requested physical verification of late payments and never received this information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX. That number calls multiple times a day. My payments arent late yet they call early in the morning and late at night. One day they called 12 times. I looked up the number and other complaints and it says it's from synchrony bank.

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 2018-10-15
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:
Requested written documentation with my original signature from collection agency by certified mail also informing them that they had 30 days to provide documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX ( XXXX ) XXXX C/O XXXX XXXX Partial Account # XXXX They failed to do so and I submitted a second letter demanding they remove debt from 3 major credit bureaus because they failed to provide requested documentation. Approximately 10 days after the 30 days passed I received a letter from Collection agency with documentation that had a signature not belonging to me and another individuals name not belonging to me. All letter disputes were mailed to credit bureaus. Trans Union did not remove debt but in turn sent me a letter stating the debt was valid. The letter Trans Union mailed to me has incorrect middle initial in my name, which makes me think they have wrong information or incorrect spelling of my name on my credit report. XXXX requesting more information to identify myself. I would like to submit a complaint regarding the signature and validity of this debt not belonging to 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 2020-05-27
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I received an email from AMEX Serve saying that my account had been suspended for violating term 15d. I contacted the company and they could not give me any information other than filing an appeal with the back office to which a response would come in within 2 business days. Two days have come and gone and I still dont have a response. Meanwhile my monthly direct deposit of my VA benefits had not been received and they can not tell me if it was rejected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04
Company: Experian Information Solutions 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:
The report I sending is to let you know my situation some one used my name and opens credit accounts the police know about it and I get the direction from them to send this report to the credit bureaus and the creditors to and know only ask for a help to fix the problem this is a identity theft the accounts on the list are fraudulent accounts. 
so the next step I don't know I only ask for a help to deleted the accounts from my credit report those are not mine I attach the list of the fraud accounts.

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 2019-03-08
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I've attempted to sale a property I own for approximately two years. However, due to the market, I have not been able to sell it traditionally. I applied and was approved for a short sale. However, since XX/XX/2018,  I have not been approved for any contract that has been submitted. 

I have had two realtors attempt to sell the property, but out of all offers submitted, none have been approved. 

The foreclosure date was originally set for XX/XX/XXXX ; however, I was not aware and because of a complaint filed, it was extended to XX/XX/XXXX. Nevertheless, the subsequent offers were pulled because the foreclosure was listed on a website, XXXX, and Wells Fargo refused to have the foreclosure attorneys remove the listing. Subsequently, my realtor found another offer ; however, that offer was denied because of the impending XX/XX/XXXX foreclosure date. 

As a result, I asked for a deed in lieu of foreclosure, but was told that there was not enough time to conduct a review for this process.

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 2018-04-16
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been complaining for the past 8 months about the same issue and nothing is being done about it. For the past 8 months each time I log into my paypal merchant account it freezes my account and forces me to take a paypal introduction tour that I have taken 237 times over the past 8 months. Each time I call in to technical support I get the same response there is nothing they can do to assist me. If I have a problem please write to our legal department. I don't need to speak to legal department I need access to my account ONLINE!!!!!!!!!! I need someone from the head of tech support and or programming to assist me and not talk to the customer service people who keep telling me for the past 8 months and 11 times I have called in regarding this issue we are trying to resolve the issue its been over 8 months they have had enough time to try to resolve this issue. I do not want to speak to legal department just a tech support person that can take charge and solve the problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: EQUIFAX, INC.
State: FL
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:
I am writing to inform you that there is 100 % improper use of the credit report. Attached to my SSN! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, real employer paycheck stubs, driver 's license, and my W-2. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, EQUIFAX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, EQUIFAX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, EQUIFAX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
Account Name- XXXX XXXX Account Number- XXXX ( XX/XX/XXXX ) Equifax INACCURATE INQUIRES THAT NEED TO BE REMOVED! 
XXXXXXXX XXXX XXXX XXXX  CREDIT CARDS XX/XX/XXXX ( XXXX XXXX XXXX CARD XX/XX/XXXX ( EQUIFAX XXXX XXXX XXXX XXXX XX/XX/XXXX ( EQUIFAX ) XXXX XX/XX/XXXX ( EQUIFAX ) XXXX CARD XX/XX/XXXX ( XXXX XXXX XXXX XXXX MISCELLANEOUS FINANCE XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!!!

15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!! DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: EQUIFAX, 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 CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2021 I received a letter re : XXXX from Comenity Capital Bank indicating that my application for a XXXX XXXX XXXX XXXXXXXX Mastercard was denied because I had to many credit inquiries on my account. My credit score was XXXX as of XXXX XX/XX/2021 and I have other credit products with Comenity Capital Bank. Around that time, I was shopping for companies to refinance my home. Makes no sense that this company would deny my application especially if I have accounts and an impeccable credit history. I believe other issues are at hand because this makes no sense whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: TMX Finance LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
XXXX XXXX XXXX XXXX, ( which is operating under that name, but has a different logo than the real one ), answered my phone call, and after telling me that they had no Maryland office and that I had to come to Delaware, then told me that my request to borrow XXXX was out of the question as their minimum was {$6000.00}. After telling them I did not need that much, I was told it was the only option. I went there and was given a Black computer screen, as she read everything in the contract rapidly, and told me to sign my name on the Black screen. Upon completion, I was told to take the check to their bank and that there was no grace period for payment. upon riding back home, I opened the envelope to read the contract and was shocked to see that it said 119 % interest and payments of {$680.00} per month.
I was so scared. I managed to pay for a year, in spite of all my problems, but in the interim, lost my home, and suffered many things including lack of meals and proper food. I am still displaced. I feel that this company took advantage of a XXXX, Female, Senior citizen ( XXXX yrs old ), and that I am a victim of predatory lending. They have harassed me with calls, and I offered to do a settlement, which they never got back to me on. They have my title, and they want {$10000.00} plus the {$6000.00}. in full. I have paid them over {$8000.00}. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Portfolio Recovery Assoc LLC has the same account with different amounts. I have offered to settle with this company for a XXXX XXXX credit card I had some years ago. Now that I made that offer the company has two account ref # XXXX {$610.00} and ref # XXXX {$630.00}. Both of these are the same account yet Portfolio is reporting this as two separate debts to all three credit bureau. They seem to be breaking the law and working against what I am trying to do with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I have officially disputed the fraud several times. Please remove the fraudulent information immediately from my file. 

Account : Chase Acct # XXXX- The entire balance is due to fraud charges. I spoke with Chase Fraud department and went line by line and paid what we agreed was not fraud charges. they removed the charges and told me I was not liable for the remaining charges. 

The account has once again shown up on my credit report after a year. 

Once the fraudulent information has been removed, please send me a copy of my corrected credit report. If you have any questions I can be reached at ( XXXX ) XXXX. I look forward to hearing fro you soon. 
I tried to upload pdf of police report but was unable to file being over 10mb.
I have uploaded page 3 of report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
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 fraud alerts or security freezes

Complaint:
Experian is not allowing a phone or online security freeze for me. 

My husband placed a security freeze with all four main agencies by phone or online without problems. I placed a security with XXXX, XXXX and XXXX by phone or online without problems. Experian is trying to push me without proper explanation to send a lot of sensitive info by mail which is ridiculous. Doing things by mail is also slower ( 3 days versus 1 hour ) if I need to lift the freeze in the future - so their route would also really penalize me. My personal situation has no complexities and I've been at the same address for nearly 10 years. They are not answering the phone when you try to get to a real person. 

I did not authorize any credit agency to have my information in the first place which I feel is a real invasion of my privacy. Now Experian want to make life difficult as well. 

Credit freezes should be automatically applied across all bureaus with one report, just like fraud alerts. That would be much better and fairer for consumers

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 2020-05-27
Company: Lennar Financial Services, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/2019 my girlfriend and I decided to buy a house our first house after months of searching in different communities we found one that met all our need. We got in touch with developer Lennar and the experience was pleasant from the start until we decided not to go with his bank of choice. At this point, Lennar 's team has been very harassing and lack of coordination in their internal processes. They have tried to speed up the closing of my house because the fiscal year closing is in XXXX and because my lender does not have the documentation yet I am requesting to move the closing date but Lennar does not agree. even though they have failed to send all the documentation on time and my lender works overtime to have my loan approved, it is not going to be possible to close and now Lennar is threatening to put my house on the market again.

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