BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
Company: Experian Information Solutions 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$7500.00}

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 explanation
Consumer complaint received 2018-08-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Essentially, the company has entered an unverifiable account on my credit report that I did not open. I made this fact clear to the company and provided evidence confirming identity theft and evidence from US authorities  confirming that my personal information, including my social security number, but not limited to, have been compromised. Despite this the company continues to report this derogatory account. This is my last attempt to have this matter rectified amicably without the need for litigation ; thus I have engaged the CFPB.

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 2018-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Essentially, the company has entered an unverifiable account on my credit report that I did not open. I made this fact clear to the company and provided evidence confirming identity theft and evidence from US authorities confirming that my personal information, including my social security number, but not limited to, have been compromised. Despite this the company continues to report this derogatory account. This is my last attempt to have this matter rectified amicably without the need for litigation ; thus I have engaged the CFPB.

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 2018-07-19
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Cavalry Portfolio Services is reporting a collection account to all 3 credit companies in the amount of {$650.00} this account is not mine I have been disputing this for a long time account dated XX/XX/2012 ... I need written confirmation that this is my account. 

thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Experian Information Solutions Inc.
State: GA
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 a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

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 2020-07-10
Company: Square Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I receive two payment for the amount of {$1500.00} ( XX/XX/2020 @ XXXX ) and {$1000.00} ( XX/XX/2020 @ XXXX ) on cash app and when i try to cash out the money to my bank account they block my account For security they say. I been contacting them through emails 3 times a day everyday for the last 2 weeks and every time they respond to me its the same automated email asking me for the same information over and over and I still today XX/XX/2020 didnt pay my rent because they dont want to release the money and they dont have a customer service number that I can call They are not responding my emails or saying anything real back to me. I dont know what else I can do to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: PENTAGON FEDERAL CREDIT UNION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
In XXXX we went to XXXX XXXX XXXX, we purchased a used 2012 XXXX XXXX XXXX. Our initial payment arraigments where changed three time, twice before we left and then again a couple weeks later. We have gap  insurance added on and come to find out our car is only worth XXXX We owe way more than this car will ever be worth. We need out of this car payment We returned a month later to have them fix the broken interior light thats when we to sign new papers again, We brought the car in for servicing and told them that the seat belt in the rear did not work. They said it was cosmetic and would cost use XXXX We are now trying to get out of this car loan.

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 2021-01-25
Company: Synovus Bank
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
According to my credit report via XXXX XXXX, a First Progress Card was opened XX/XX/XXXX. At the time the account was opened I was incarcerated. I was incarcerated from XX/XX/XXXX until XX/XX/XXXX therefore I am not responsible for this account. This account was opened fraudulently using my information. I have contacted First Progress Card and no action was taken. I would like this account deleted from all credit bureaus and a discharge of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22  times. I filed two  police reports. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX gave me two  letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX  XXXX My name is XXXX XXXX XXXX My phone number is ( 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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

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 2022-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am not letting this claim go. Bank of America is not addressing the legal action I took in order to get this FRAUDULENT charge reversed and I will not stop this process until it is reversed. Also, I filed a complaint with the Washington State Attorney General 's office. Please see the previous TWO complaints I have already submitted. Also, the phone number of the person " helping '' me resolve this claim is unreachable per the phone number and extension she provides. 

XXXX XXXX Resolution Specialist Regulatory Complaint Department Bank of America XXXX, XXXX XXXX I will keep filing these complaints until my concerns are addressed.

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 2022-05-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX double inquiry XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX Reached out to the company to inform them of inaccurate information and was turned around. Never received any assistance with incorrect information reflected on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Credit report shows extremely vague public records ( no details ) that I am unfamiliar with. I understand that as of XXXX 2017 public records are not even supposed to be on credit reports. I contacted TransUnion about this about a week ago and filed a dispute. I recently received an email from TransUnion that the results of their investigation were complete. I called into a representative since I could not log into website and told that the public records were still on my report. I asked why and representative told me that he could " refile my dispute ''. I told him that first of all the information is vague on the public records and is n't true that public records are not even supposed to be on credit reports. The representative agreed with me. So why is it still on 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 non-monetary relief
Consumer complaint received 2023-05-12
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
So I have had an account with Wells Fargo since 2016, and may have experience wrongful amount for overdraft fee.

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 2022-10-27
Company: Experian Information Solutions Inc.
State: GA
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands 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 explanation
Consumer complaint received 2018-08-23
Company: Resurgent Capital Services L.P.
State: MA
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 summoned to XXXX County Court, MA on XX/XX/XXXX and XX/XX/XXXX respectively by a law firm ; XXXX XXXX XXXX XXXX XXXX XXXX representing XXXX XXXX XXXX and XXXX XXXX XXXX As Assignee of XXXX XXXX XXXX for a credit card debt in the amount of {$2400.00}. I was vindicated by the court as not responsible for the debt. Attached is the disposition of the judgement from the court. I have since then sent 93A demand letters both certify and 1st class mail to the plaintiffs in the case for them to delete the negative item from my credit report but they refused to obey the court order. The letters sent to them were dated XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, More so, I have send similar letters to the three Credit reporting Agencies, XXXX, XXXX and XXXX to make due diligence and remove the negative item but to no avail.

Attached is the response from the Law firm XXXX XXXX XXXX XXXX XXXX represented XXXX XXXX XXXX and XXXX XXXX XXXX.

Attached also is the response from XXXX XXXX XXXX  It is pertinent to note that, since I was vindicated by the court I have written numerous letters to XXXX XXXX XXXX both certify and 1st class mail to delete the negative item from my credit report and they never responded to my 93A demand letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Unfortunately I had to file Bankruptcy with Tower Loan in XXXX, MO. Being one of the creditor 's. I called in and gave the lady employee my lawyers information and let her know what was going on. The branch manager then called me back trying to convince me that the best move was to still pay them. I explained it was better for me to file on all my creditor 's. At that point
XXXX  said that he was taking this personally. He had " stuck his neck out " for me to get the loan and it was a " kick in his XXXX  '' then he told me it
was the worst time of year for me to do this and that I was " XXXX  up his XXXX  bonus '' He then went on to say how " he didn't know how I could stand myself i was a bad person '' " your just a horrible person '' He then threatened " ill be at your hearing wait until you see what happens ''

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 2018-08-23
Company: Ability Recovery Services, LLC
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: Old information reappears or never goes away

Complaint:
This debt is not mine and I don't even know what it is it keeps on reappearing on my credit report I was never notified about it and there no contact information for this company and I am unaware what this is.

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 2018-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
This debt is not valid I was never notified about this debt and it keeps reappearing on 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 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
this complaint comes after exhausting all my administrative remedies against XXXX to fix and error in their part after a fraudulent charge was disputed forXX/XX/2017, corrected and XXXX never cleared the late payment this charge caused. 

i have disputed this issue with the bureaus and XXXX without a successful resolution to the issue. additionally XXXX never notified me properly about this damage to my personal credit report until i had to pay the consequences of the XXXX score drop with all my finances. 

i pray and request XXXX clear this late payment reporting on my presonal credit report for the month of XX/XX/2017.

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 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Problem getting your free annual credit report

Complaint:
I've tried several times to get my credit report from all of the credit bureaus. However, they then ask me for copies of social security and driver license. I've sent them XXXX different times. Still over XXXX years have not got them. I'm not sure what else to do. I've tried to do it on line but each time denied. I had to report identity theft since 2016. Reported to federal trade commission. Don't know if that has anything to do with it. Would appreciate any 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 non-monetary relief
Consumer complaint received 2018-08-23
Company: EQUIFAX, 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:
For almost two years I have made payments on time to XXXX XXXX XXXX for a vehicle financed through their company. In XX/XX/2018 I was taking out a refinance loan on my home and decided to pay off the vehicle. The refinance company cut a check to XXXX in XX/XX/2018 but went over the payment deadline for XX/XX/XXXX and advised us not to make another payment because they already cut the check. I notified XXXX that we were going to stop the payment from coming out of our bank account because the check was already cut and on its way to them. XXXX received and cashed it only to report us negatively to the credit bureaus TWICE dropping our credit score 100 points. They cashed the check two weeks ago and we have not received the vehicle title and after they cashed the check they reported to the credit bureaus negatively even after they were aware in XX/XX/XXXX of the situation. When we called at the beginning of XX/XX/XXXX to resolve the issue they said it was policy to report it negatively to the credit bureaus per a policy that does not exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10
Company: Bread Financial Holdings, Inc.
State: VT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company, caller ID and the representative I spoke to says Comenity Bank, continues to try and call my phone number. They are reportedly looking for someone else, I have told them several times that I am not who they are looking for but since I got this new number they have called 15-20 times a day on several different numbers including blocked numbers. I have blocked several of their numbers after telling them the person theyre looking for no longer has this number and they continue to call. Anywhere from XXXX until XXXX. Today alone I have 15 missed calls from them. I am sick of having to tell them over and over to stop calling because I am not who theyre looking for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-24
Company: Caliber Home Loans, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Initial application to refinance mortgage with current mortgage holder ( Caliber Home Loans ) was made XX/XX/2020. Although mortgage representative has reported the application has been approved, no information regarding a closing date has been made. Additionally, numerous loan documented have been forwarded, which appear to contain varying estimates of loan details, including a substantial out-of-pocket amount required at closing by the applicant, although the loan representative indicated that the closing would not entail any cash in hand. All communication between the applicant and the mortgage representative is documented within an email file.

Company response to consumer: Closed with explanation