BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AUTHORIZED USER ON SUBJECT CARD UNTIL XX/XX/2018. 
OWNER OF CARD ASKED CREDIT CARD COMPANY TO REMOVE ME, AND THEY DID. 7 MONTHS LATER THIS ACCOUNT STILL SHOWS AS MY DEBT AND IS A NEGATIVE FACTOR ON MY REPORT. THIS IS NOT MY ACCOUNT, NOR RESPONSIBILITY. THIS INACCURATE REPORTING BY THE CREDIT REPORTING COMPANIES IS CRIMINAL! WHY DO YOU LET THEM GET AWAY WITH THIS? I DEMAND REMOVAL! THIS IRRESPONSIBLE BEHAVIOR IS UNFAIR TO THE CONSUMER!

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 2022-08-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. My information has been exposed in the Equifax data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
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 had XXXX in charges occur on this XXXX.XXXX in or around XXXX XXXX XXXX it is not mine and theft is best i can guess but i did not charge them Fraud was called in XX/XX/XXXX and i call to follow up XX/XX/XXXX Asked to put claim XXXX and take my card from credit agency as adverse accounts This as best to my knowledge the truth as well i'm in a protected class SSA XX/XX/XXXX back dated # XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX overcharged me 4 times in 4 months in the amount of {$99.00} each time in the total of amount of {$390.00} for prepaid services. 
They are charging me {$180.00} for something that I am not aware of. I Tried countless times to resolve this matter but their response every single time was their billing system is faultless. 
This account is from XX/XX/XXXX and since then we've been trying to fix it. They re-opened the account in XX/XX/XXXX leaving a derogatory mark on my credit report of an unpaid account. 
I do not owe this debt. Would like them to take out the derogatory mark on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Experian Information Solutions Inc.
State: MD
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:
XX/XX/2020 XXXX I have the federal right to as consumer to see the report trail from the ( 1 ) bank to ( 2 ) e-Oscar to the ( 3 ) credit bureaus. This is not a duplicate. The last time I gave you the Experion false report fabrication as well as the real thing from the bank. Someone short attention span XXXX Decided to run a diversion so my lawyer is going to take this as a  civil right violation. And being a federal lawsuit from the state of Maryland. because yall are closing the case without relevant answers. You guys are not undermining my intelligence. This time by law of the state of Maryland I need to see the name person handling this 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 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A Car  dealer scammed a car in my name that I had no idea about. It shows on my report that It is a XXXX XXXX XXXX  and that I owe over XXXX $! This debt is completely false and needs to be removed. I will be writing a complaint to the Consumer finance Protection Bureau. I just want this false debt off my 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 2021-02-08
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I learned that Freedom Mortgage had acquired my loan in XXXX of XXXX at which time I contacted them to let them know I get paid on the XXXX and XXXX of every month to which they replied " No Problem '' we can handle that for you. On XX/XX/XXXX I learned that Freedom Mortgage had reported my mortgage payment for XX/XX/XXXX as 30 days late which severely impacted my credit score. Upon further investigation, I also learned that they had increased my mortgage payment beginning in XXXX of XXXX without my knowledge. My payment amounts did not change in the entirety of this timeline, however Freedom Mortgage claims they were taking the {$38.00} increase from escrow to cover the payment every month except XX/XX/XXXX. The explanation from Freedom Mortgage was that they saw an upcoming escrow withdrawal and did not want to risk taking the {$38.00} again for XXXX. No Calls, No emails from Freedom, just playing XXXX with my finances.

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 2019-02-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have an open complaint. # XXXX against wells fargo. my account was illegally accessed and drained of all funds. I was never notified due to the fact I was incarcerated. therefore I could not notify the bank of errors. when I did notify the bank they returned the debit accounts but not those taken from my checking account. which is XXXX. they claimed I should have notified them earlier, which I couldn't because I was incarcerated and did not receive statements from the bank. even though they knew I was no longer at the address listed. the account should have been frozen instead they let it be drained please help me get my money. wells fargo is a joke and hold no accountability. thank you XXXX XXXX attn all documents are on file with my above mentioned claim #

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 2019-02-14
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Credit card- MasterCard through Synchrony bank through XXXX XXXX XXXX. 

I purchased a flight on XX/XX//19 I went to use the card to purchase gas on XXXX19- declined. 
I went to purchase food on XXXX19- declined. 

I call synchrony bank on XXXX19- they informed me that I authorized closing my account and wanted a new card issued. I could not understand the agent I was speaking with and she refused to transfer me to management/etc. 

I called today, XXXX19- and asked to speak to the fraud department. 
I was told by Synchrony Bank : on XXXX/19- a person claiming to be me, called from my cell phone number which is linked to my account- said I lost my card, I had a death in the family and needed a new card expedited to me- at my current address. This person was able to answer all security questions to verify it was the primary card holder. 
They said they have a recording ... but I was not allowed to listen to it. 

I told the fraud department I did NOT call them on XXXX -- I did not loose my cell phone or any personal information. I did not authorize anyone to call on my behalf. 
They said they mailed the new card out on XX/XX//19. To this date ( XX/XX//19 ) I have yet receive this new card I did not authorize. 

So- synchrony bank is closing the new card account ( as someone has intercepted my mail and has the new card and activated it ) -- - and is sending me a NEW card via XXXX  with signature needed for delivery. 

They said they will update my security but did not ask for different questions. 

I am absolutely terrified that someone can do this ... Call from my cell phone number without having my actual cell phone ; pose as the primary card holder, shut down the account and ask for a new card to be expedited, and then intercept my mail to get the new card and activate it. I was never once notified by synchrony bank that my account had been closed/a new card had been issued/or that I even called to close the account.

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 2018-10-13
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I obtained what was supposed to be an installmant loan through speedy cash on XX/XX/2017 for a total of XXXX dollars due to hardship. From my understanding they added about XXXX dollars worth of interest onto the loan and i would have over a certain amount to pay the loan back as you i have with previosly obtained and paid loans. I began paying the loan back in payments of XXXX every other week from XX/XX/2017 untill XX/XX/2017 so a total of 11 payments of the XXXX, so over XXXX XXXX dollars worth of payments overtime. About half way through i had logged intospeedy cash to see what my exact balance was and to my suprise it was exactly the same amount as the loan i had recieved despite all of the payments i had made towards the account. I called speedy cash to ask them what was the deal with the account balance and how it hadnt decreased even with all of the money i had already paid. They then told me that the only way i was going to be able to pay the loan off entirely was to pay the interest, as well as the entire amount that i had borrowed initially. I made sure to tell her i didnt sign up for a payday loan and that i signed for an installmeent loan, something that i could pay back over time because of the tremendous hardship i had been facing. They then told me that i had no other option but to just pay it off. I kept making payments every other week untill XXXX and my account indeed still remained the same amount, if not more by the next time i made a payment. So finally i sent them an email statiting that i was not going to pay them anymore due to the fact that i had already paid the loan in full three times over, and that i did not ever sign for a payday loan. I knew it could not be interest compiling that fast within teo weeks due to Texas legal laws in place. As of last month speedy cash has had a collection agency ( XXXX XXXX XXXX XXXX ) flag my credit, bringing my score down tremendously. They show that i obtained the loan in XXXX of this year ( which is false information ) and that i have only made one payment ever with the account ( which is also false ) i have sent in bank statements, i have sent payment confirmation reciepts via fax from my email, but the company persists on leaving the falsified information on my credit account as if it were truely an installment loan i just defaulted on, and did not pay them for when its not true. They refuse to remove it unless i pay them an additional XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX I paid the last loan balance to Oportun ( Oportun/XXXX ACH XXXX Tel ID : XXXXACH debit {$110.00} ) and I also paid ( Oportun/XXXX ach XXXX TEL ID : XXXX ACH debit {$42.00} ) for the new loan of {$500.00}, the situation is that they, Oportun are calling the people that they asked me as a references to tell them that I owe money to Oportun and that they had not being able to contact me. That's not true because Oportun has my two phone numbers and even they can call me or text me to me, but Oportun never called me or sent me a text message telling me that I'm late with payments. The only call I received from them was in the month of XX/XX/XXXX, asking if I know XXXX XXXX, because he was applying for a loan with them. First of all, it is all a lie that Oportun is telling it to my references friends, that I have late payments and that they have not been able to contact me, especially I do not have any problem with making payments to them and my checking account shows that they collected the money and that's fine, now XXXX XXXX XXXX told me that it was a confusion and that they will try to fix the problem, all this happened, today XX/XX/XXXX, in an hour later I received a called from XXXX XXXX, my friend, that Oportun called him because they are trying to contact me and that they have not had any success in reached me, so I called Oportun again and let my friend listen the conversation, and he found out how bad Oportun is doing with me, again the guy from Oportun said everything was fine. Those calls that Oportun is doing to my friends is putting me in a bad situation with them and this harassment is giving me so many headaches. I would like to be able to bring a legal action against them, but I do not know what my rights are that I have. So Im demanding that Oportun, pay me for the loss or waste of my time, the damages and prejudices that Oportun had having brought against me. Please, help me with this matters, thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a call regarding a balance ( {$140.00} ) on a payday loan from First Virginia. I advised I did not take out a loan with First Virginia for that dollar amount and settled the account with a different collections agency. The rep asked me to fax the receipt. I advised I had to find it since it's been well over a year. I called the debt collector ( XXXX ) today and advised I found my receipt but did not have the ability to fax it at this time. I asked if I could email it and was advise that wasn't an acceptable form of transmission. I then proceeded to advise the rep that I am disputing the debt and requested that they send me documentation supporting their claim. The rep advised I had to settle the outstanding amount prior to them sending supporting documentation for the claim. The rep continued to advise they are not required to send me anything showing proof of this transaction and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: National Collection Systems, 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: Account status incorrect

Complaint:
I consolidated my XXXX XXXX University loans and XXXX XXXX with National Credit Management. At the time they are claiming that my student loan accounts were not past due based on the credit report they obtained prior to helping me consolidate through XXXX XXXX XXXX on XX/XX/XXXX ; this was not the case. I spoke with XXXX XXXX who helped me with my application to consolidate with XXXX XXXX XXXX. XXXX also failed to tell me that my XXXX XXXX account was past due prior to helping me consolidate these loans. 

On XX/XX/XXXX, National Credit Management reported my account as Collections and Delinquent with all three credit reporting bureaus - two months after they assisted me with completing the loan consolidation, which had been completed. 

I have contacted National Credit Management. I have also disputed these accounts with all three credit reporting bureaus, National Credit Management, and a private attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 spoken with numerous people at all 3 bureaus in regards to a bankruptcy showing on my credit report ... it is not mine ... what identifying information they use to report this because clearly they have not INVESTIGATED PROPERLY .... i received a updated credit report and this bankruptcy is still reporting as mine THEY SAID THEY VERIFIED THIS THROUGH A THIRD PARTY NAMED XXXX XXXX ... .. XXXX XXXX sent me verification that any and all information in my file is suppressed so how could this have been recently 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 explanation
Consumer complaint received 2019-02-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Im opening this complaint because Im having an issue with my XXXX XXXX XXXX. Please see the following details : - Approximately a month ago Id learned the somehow XXXX XXXX XXXX was given a dispute letter which was intended for and submitted to XXXX XXXX. 
- First, I dont know how XXXX XXXX XXXX receives a copy of a letter pertaining to a loan that does not belong to them. 
- Secondly, I dont know why representatives at XXXX XXXX XXXX did not thoroughly read the letter upon its receipt as it named a private lender who it was intended for who is not XXXX  XXXX - Instead, XXXX XXXX XXXX has removed my Student Loan Information from my credit as of to date - That means Im now not getting fair credit reporting on students belong to me as I am still responsible for paying the bill each month - Ive now contacted XXXX XXXX twice regarding this issue. Once approximately in XX/XX/2019 and the other on today XX/XX/2019 - I dont remember who I spoke with in XX/XX/2019. The person I spoke with today is named XXXX. His ID is XXXX. 
- The reason has become a XXXX XXXX XXXX issue now is because XXXX  XXXX XXXX didnt read the letter for XXXX  when they first mistakenly received it. 
- Even after I called them about the mistake in XX/XX/2019, they still didnt get the manner handled properly This was so very simple and could have been avoided. All the original area /representative who received the letter needed to do is realize the letter was meant for another company ( private ) and not meant for XXXX XXXX XXXX . Instead, all or portions on My student loan information got removed from my credit report ( s ) which is very damaging as it has caused a major drop to my credit score  right during my home search and buying process. XXXX XXXX is now showing as a closed account when it is not. This is not fair to me as a consumer making payments on my XXXX XXXX accounts. Im not happy about this as Im sure no one else would be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
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: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021, I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS IS DECEPTIVE PRACTICES BY THE BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 have submitted disputes to XXXX, XXXX  and TransUnion regarding inaccurately reported late payments for accounts that were in forbearance. The accounts have since been closed but the accounts late payments are still reporting inaccurately. In addition to that, other information is reporting inaccurate as well just as the date of late payment and date the account was open. The bureaus have failed to provide me with detailed information regarding the verification and proof of the verification. I have spoken with countless representatives at all three bureaus as well as the lender.

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