BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-22
Company: Absolute Collections Corp.
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:
I received a second call today from a XXXX, claiming to work for Absolute Collections, a debt collection agency located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ( information I got from their website ), and claiming to represent XXXX, a pay day-type lender located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ( also website ). 
XXXX called on my cell personal cell, looking to collect on a loan supposedly made by XXXX to my wife, the repayment of which, after several delinquency charges, totaled several thousand dollars. My wife has never borrowed cash money ( other than as co-signer on our home mortgages ), and has never heard of XXXX. 
Neither my wife or I have ever received any money from XXXX, nor any written correspondence from XXXX or Absolute Collections. I dispute any claims they make.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2020-06-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, 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:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Ocwen Financial Corporation
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: Account status incorrect

Complaint:
Long story. 
Sometime in XX/XX/XXXX, ocwen imposed lender placed insurance on our residence claiming we dont have insurance. Back and forth after 2 months ocwen acknowledged we had insurance and retracted the lender imposed insurance. 
Since last 10 years we never skipped a single mortgage payment every one is ontime. 
Ocwen started sending demand letter paying some late fees which we dont know. 
I have a record of all the payments made to them via bank online. 
Last 3 payments, Month of XXXX, XXXX and XX/XX/XXXX they put entry in the credit report as a late payment. 
I m getting not a satisfactory answer with them. 
I need remedy for this. Our application for home equity loan with bofa has been denied even though we have XXXX equity in our house. 
Our loan number XXXX Toll free XXXX XXXX XXXX. 
Pl help us

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I started to use my XXXX XXXX debit card at the direction of my local social security office. I was not given any choice nor advice that I could use my bank to have the funds deposited directly to my account. This started around XXXX and upon trying to reach out to the company to get results and answers I was directed time and again to a robocall to resolve the issue. I have yet to receive my XXXX XXXX payment for XXXX. No notices were sent out. In fact, absolutely no communication from Comerica bank. I am a XXXX XXXX XXXX veteran who has served honorably and I feel that I deserve much better than this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions 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:
On XX/XX/2021 I sent a formal complaint and dispute letter notifying Experian of an inaccurate account showing on my credit file. Under FCRA section 609 Experian had 30 days to investigate and either verify and validate the account or remove it from my credit file. Experian has now exceeded and surpassed the designated time frame given under federal laws and FCRA guidelines. The account in question is as follows. ( 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 2018-01-22
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have an unverified account from Speedy Cash I had previously disputed this account. I have never done business with Speedy Cash.  Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request Speedy Cash Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Speedy Cash Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/17 Penn Credit has sent me on this date a letter saying I owe this debt which I have no knowledge of what can be done to get this removed off my credit report Sir or Mam? the debt they say is owed is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: North State Acceptance, LLC
State: NC
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:
Contacted North State Acceptance XXXX on XX/XX/XXXX @ XXXX. I spoke with XXXX XXXX in the XXXX North Carolina office in regards to a vehicle that does not belong to me appearing on my credit report. She stated that she have no account based on me providing my social security number along with my first and last name and address. She asked for my social security number and I provided my social XXXX she stated she had nothing that matched my social security number. She advised me to contact XXXX XXXX from the Recovery department telephone XXXX, I contacted XXXX XXXX at XXXX XXXX, per XXXX XXXX there is no information based on the social security Address or name provided.. XXXX XXXX advised me to reach out to the credit bureaus which have been done on several attempts but this still remains on my credit report. This account does not belong to me and I would like for this acct to be Deleted immediately. This has damaged my financial state. Please delete Not my account. Delete from all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: ALASKA COMMISSION ON POST SECONDARY EDUCATION
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I borrowed roughly {$20000.00} from the State of Alaska. When I graduated I had a {$35000.00} that I had problems paying and it went into default. Now they say I cant get it out of default and my bill is close to {$70000.00}. I also tried to see if I could pay off each loan separately. I have 5 loans and they said no. All my loans will continue to be in default until all of it is paid. I need someone to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Home Credit Corp. Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Home credit still making me responsible for this debt.. I had made a payment arrangement with them and they took my money.. a week later the vechicle was repossessed without even contacting me they are still reporting bad information on my credit report as if I still owed them that amount ... my ex wife had fraudulent put that auto loan in my name.. and because it was on my credit report I had no other choice but to make payments.. I filed a police report that this bad debt shouldve removed of my credit 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 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is showing that I have a Charged off / Collection for child support - this is an invasion of my privacy they are in violation of inaccurate reporting and violation of 15 usc 1692 ( a ) this accounts needs to be DETLED at once. This is preventing me from getting approved.

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 2021-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 submit a complaint before and I don't receive any answer. The number is # XXXX Transunion is violating my rights, They don't want to delete and accounts, that's only is it not mine but it has inaccurate information and violations of the FCRA. I ask for the independent investigation documents to verify how they get to the conclusion of the account is mine and they failed to complain. I bing disputing this account back from XXXX and XXXX  and XXXX  delete this a Transunion don't. I ask for the call record of the conversation whit the Transunion assistant XXXX XXXX on XX/XX/XXXX of XXXX, at XXXX XXXX  report number is XXXX In that call XXXX XXXX say they do the investigation true the information they send to the department of treasury, in this case, the company putting in my credit the bad information. and that's the only thing they do to investigate. I ask for the removal of the account for these 3 reasons Not my account, violation of the FCRA, and failing to validate, she refuses to dispute my case. Please if you do an investigation you see is not my account, and have several violations in the report and Transunion is dowing noting to investigate.

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 2023-02-20
Company: Experian Information Solutions Inc.
State: PA
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:
Status date information across reporting agencies is inaccurate and incorrect one has pass due amount of XXXX XXXXother have paid in full while other have my account reporting as open and closed accout .... date XX/XX/XXXX other dates 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 non-monetary relief
Consumer complaint received 2021-09-03
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I opened an Apple Card account in XXXX of XXXX, and I was assigned a paltry limit of {$250.00}. Since that time, I have used my card often, and every few days am forced to make a payment so I can free up available credit in order to use my card again. 

After asking to have my initial limit reconsidered, Goldman Sachs told me I must wait 90 days before I can request an credit limit increase. Yesterday, I requested an increase, and was denied because a payment I made was recently returned unpaid. 

The returned payments occurred on XX/XX/XXXX and XX/XX/XXXX. Neither payment was returned due to insufficient funds. The payment on XX/XX/XXXX was returned due to uncollected funds. A deposit I made the previous day was not made available until two days later. The funds were there, but they were inaccessible. The payment on XX/XX/XXXX was returned due to my account being frozen. Someone was able to obtain my debit card number, replicate my card and use it to withdraw funds at a non EMV atm. The bank froze my account to make sure no one obtained my account number to withdrawal funds. After it was confirmed that my account was secure, the account was unfrozen. 

I have made a diligent effort to demonstrate to GS that I am capable and willing to make timely payments on my account in full so that in return, GS increases my credit limit so that I can use my card regularly without having to pay the balance every other day. Through no fault of my own, this effort has been handicapped. 

My dob is XX/XX/XXXX. The last four of my SSN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: U.S. BANCORP
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/20, I was charged a {$76.00} charge from a company called XXXX XXXX out of MN. I live in CT and have never been to MN. I disputed this with my credit card and did receive a new credit card ASAP. However, I have called my credit card company 5 times to get the charges reversed and they have failed to do so.

Also, I pay by bill in full and on time every month. Every month they charge me a finance charge which I have to fight to get back. This month it is {$12.00}.

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 2021-12-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown items on my credit report. On this day over 45 days later I have not received a response yet. I feel as though I am being taken advantage of as well as being ignored of my disputes. Section XXXX ( a ), it is clearly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, as it has been over 45 days, so it should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 


I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute, as I have filed a complaint with the federal trade commission and XXXX XXXX XXXX  because to my knowledge, I do not recall any of these accounts. I need this problem fixed asap, I will not wait another 45 days to receive no response, because it is clear your organization is intentionally ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section XXXX ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, as it has been over 45 days so they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2021, I began the process refinancing of my mortgage with Well Fargo my current lender. Since this time I have had several conversations with office managers regarding the delayed process of my loan and lack of communication. The request was made to send documents of income that were sent, weeks later I'd get another request for the same documents ( this has happened at least 3 times ) I have emailed with no response and have had to communicate with other employees at the call center for assistance. It is now XX/XX/XXXX and I continue to get the same message regarding a rate lock which I have reviewed several times. It is impossible to get a hold of my loan officer and when he does send an email its at the close of his business day thus I am unable to call or when I send an email response I do not get a reply and usually end up having to contact the call center. This complaint has been brought to their attention on 3 or more occasions and usually, the response is an apology with no resolve. It should not take this long for the process! 

Please help!!

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 2021-09-03
Company: I.C. System, 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: Old information reappears or never goes away

Complaint:
I had a collection on my credit report from about 4 years ago from XXXX XXXX and electric in which belongs to my mother. I have been disputing it ever since it was originally added to my credit report because it does not belong to me. On XX/XX/XXXX my dispute finally was accepted and the account was deleted, the creditor at this time was called XXXX XXXX XXXX. About a week ago ( around XX/XX/XXXX ) the collection was added back to credit report after it being OVER A YEAR and now has a new creditor called I C System. Now the collection is saying it was opened in XX/XX/XXXX which is totally inaccurate from when it was originally on my account and i would have to wait another 7 years for it to drop if it is not resolved. Also it was deleted originally for false information and its been over a year why was it added again with a new creditor a year later. Im highly upset.

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 2018-09-02
Company: Bread Financial 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX is reporting a balance when there isnt a balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
Company: EQUIFAX, INC.
State: SC
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:
Due to proven merging, or others with similar information or some entity deliberately creating a merging of information within the credit reporting agencies, I herein request that information be updated, deleted, and removed. 

Specifically in the listed name identification listed as XXXX XXXX XXXX, no lender or creditor specific to this consumer reports that name, but it is subject to the unfortunate merging process by merging what is XXXX XXXX XXXX, using the address of XXXX XXXX XXXX, XXXX, SC XXXX which isn't this consumer because his social security number is XXXX. and this consumer XXXX XXXX , the designated identification from the consumers issued social security card, and number which is XXXX reporting the names creates a unintentional reporting of inaccurate information, and inaccurate inquiries. This information was gained from a collection call from XXXX XXXX credit card, which indicated that the persons or person utilized XXXX XXXX XXXX, XXXX, SC XXXX as their mailing address, while utilizing the above stated social security number, which isn't this consumer. 

Based upon the existence of these facts, and the consumer desire to prevent additional merging of information, and credit reporting, I hereby state that the removal of the following information, and placing it where it rightfully belong, will subjectively and permanently resolve the problem. 

Public Record : belongs to XXXX XXXX XXXX, XXXX, not XXXX XXXX XXXX. 
1. XXXX XXXX 2.US Bankruptcy proceeding XXXX Additionally please remove address XXXX XXXX XXXX XXXX XXXX, SC XXXX and XXXX XXXX XXXX , XXXX, SC XXXX, since it is apparent that the person or persons or entity using XXXX is using those addresses as well, and applying those addresses to this consumer creates the same likewise reporting, and merging.

Company response to consumer: Closed with explanation