BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-30
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XXXX XXXX I sent a {$35.00} cash app transfer to the cashapp name $ XXXX expecting that my money was going to place a hold for a puppy they claimed to have been selling. I was then asked for an additional {$15.00} to buy the dog food and supplies which I then knew was a scam. I requested a refund from both cash app and the seller. I was blocked from sms and cash app from the seller. when I reached out to cash app they were of no assist and did nothing to help me recover my funds. cash app is known to be the highest place of people getting scammed because if someone is scammed cash app is of no help to replace the funds to the person who was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Experian Information Solutions Inc.
State: OH
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 tried to resolve these issues with the credit reporting companies and i have had no help and this is stopping me from buying a home. Please see accounts below XXXX/XXXX account number # XXXX for {$580.00} XXXX XXXX Account Number # XXXX for {$0.00}, its a charge off thats not mine XXXX  account number # XXXX collection that not mine either

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 2019-06-21
Company: EQUIFAX, INC.
State: OH
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 tried to resolve these issues with the credit reporting companies and i have had no help and this is stopping me from buying a home. Please see accounts below XXXX  account number # XXXX for {$580.00} XXXX XXXX Account Number # XXXX for {$0.00}, its a charge off thats not mine XXXX  account number # XXXX collection that not mine either

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS AND INQUIRIES THAT WAS REPORTING ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY CONNECTED TO ANY TRANSACTIONS THAT I HAVE MADE. I HAVE NO IDEA HOW THE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. I HAVE NO DOUBT THAT MY IDENTITY HAVE BEEN TAMPERED WITH BY SOMEONE UNKNOWN TO ME. I AM VERY CAREFUL WITH MY PERSONAL INFORMATION. THIS SITUATION IS VERY STRESSFUL SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2018-11-08
Company: Ability Recovery Services, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ABLTY RECVRY- states that I have a past debt of {$890.00} this has been reported on my credit report with negative status and now sent to collections. At the time when I was seen as a patient I was recently released from prison and living in a half way housing before returning to the general population. I shouldn't have been charged any medical fees because all medical treatments are covered under the federal correction system and I also had medicaid coverage as well.

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 2018-11-08
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good Evening, I XXXX XXXX have paid a debt of {$190.00} to XXXX XXXX, Convergent, and I told them I need of a deletion letter in which they told me don't give, so it shows as paid on my Credit but I need it to be deleted. 
Thank You XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions Inc.
State: OH
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:
I contacted Experian on Monday XX/XX/2021 starting at XXXX XXXX  EST regarding unauthorized inquires that have appeared on my credit file through the last 2 years ( XXXX ). Each representative that I spoke with and the supervisor were unwilling to help 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 2019-06-21
Company: Avant Credit Corporation
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Today, XX/XX/2019, my payment was taken out of my account twice. So instead of taking {$220.00}, they have taken {$440.00}. I have called the company at least eight times. Twice, holding for longer than 20 minutes and never speaking to anyone, the rest of the time receiving a message saying user not available. I have also emailed the company twice today asking for a call or for them to fix the double post. Their double pull has caused my bank account to go negative and they have taken my money that was meant to pay my other bills, so those will be late as well. It seems as though they are avoiding issues as all of my contact has been made within their business hours. I will now be getting late fees for my other bills and overdraft fees from my bank. I read today that the FTC has sued them previously due to customer payment issues and I think there should be a way that customers can get out of this loan without penalty and move it to a bank or credit union and this lender should be shut down.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-30
Company: HW Holding, Inc
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My husband XXXX XXXX and I XXXX XXXX lived at XXXX XXXX XXXX manged by  XXXX  XXXX  in XXXX ok in XXXX XXXX. It was even reported on both our credit reports which has now been deleted but thankfully I pull our credit ever month and have for years. Hunter Warfield sent us a bill in XXXX, 2 years after saying we owe and we do not.. which we have been disputing since, the credit bureaus will not and have not investigated it and Hunter Warfield continues to lie about it.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30
Company: EQUIFAX, INC.
State: AR
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 several items on my credit report that are not mine including a child support debt. I have never been put on child support. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
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: Personal information incorrect

Complaint:
I recently obtained a copy of my credit report and noticed some erras. I noticed multiple addresses that I never resided, and also incorrect name being reported. 

I atteched a copy of my drivers license and social ( SEE ATTACHMENT ) My report should only refect one name and address!

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 2020-04-30
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I recently obtained a copy of my credit report and noticed some erras. I noticed multiple addresses that I never resided, and also incorrect name being reported. 

I atteched a copy of my drivers license and social ( SEE ATTACHMENT ) My report should only refect one name and address!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
IQ Data is attempting to collect a debt not owed. It is illegal to sale and purchase fictitious debts for profit. The company that they are attempting to collect a debt from is XXXX XXXX XXXX whom I have experienced multiple accounting errors with prior to being released from my rental agreement which I have proof of. I paid a {$1500.00} deposit which I was told I would forfeit. However the leasing consultant XXXX XXXX gave false account on my move out summary and did not apply my deposit. I contacted XXXX XXXX XXXX  to discuss the matter and to my surprise I was blocked from communicating with them. How can you can one make claims that a consumer owes a debt but refuses to discuss the matter with the consumer? The reason why I was blocked from contacting corporate is because the account statement turned over to IQ Data was both fraudulent and fictitious. In addition, as I mentioned previously I was released from my lease agreement with XXXX XXXX XXXX and after signing a release form which I never received the countersigned form back from XXXX XXXX who is head of the legal department with XXXX XXXX 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 2022-03-29
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I opened an Account with Victoria Secret and my Balance was XXXX. They decreased down to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo refuses to honor Minnesota State Law to allow me to postpone the Sheriff sale of my house on XX/XX/2018 for the 5 month postponement allowed by state law.

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 2019-06-21
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I made a transfer on PayPal to a seller I was buying a tv from the amount was XXXX   US Dollars. The seller is in the XXXX XXXX, we had been in contact for about a month about a tv, when we agreed on a price he said he only takes PayPal so I made an account on the same day before sending the money, He told me sending it as Friends and family is a faster, safer and costs less than a business transaction, being new to PayPal I had no idea that if I did not pick it as a business transaction I would have no buyer protection. After the money was sent he blocked me on all contact medias I could use to communicate with him. I asked PayPal if I could open a dispute or refund but they said the only thing they can do is contact the seller which I have gkt no feedback since then. I tried contacting my bank to revert it but they said the transaction has already occurred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-21
Company: LD Holdings Group, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
When shopping for a refinance mortgage, I was offered a good interest rate ( 3.125 % on a 5/1 ARM ) and a {$9500.00} lender credit from LoanDepot. While other lenders suggested that the offer was too good to be true and they could not match it, LoanDepot assured me that the offer was valid, and included those terms in a written Loan Estimate dated XX/XX/2019. On the basis of their representations, I paid {$590.00} for an appraisal and {$19.00} for a credit report. 

Subsequently, LoanDepot dragged its feet in finalizing the loan, making repeated excuses for lengthy delays. When the loan was finally approved, LoanDepot sent a revised Loan Estimate on  XX/XX/2019 showing that the lender credit had decreased by over {$9000.00}, to {$390.00}. When questioned about the discrepancy ( which LoanDepot had failed to proactively tell me about ), LoanDepot informed me that the lender credit had disappeared because I was being charged over {$9000.00} for rate lock extensions. But LoanDepot had not previously asked if I wanted to extend the rate lock, had not informed me that rate lock extensions were required, and had not informed me of any fees associated with rate lock extensions. Moreover, interest rates have fallen since we initially locked the rate, making a rate lock extension unnecessary and counter-productive. When I made these points to Loan Depot, they offered excuses, but did not address my concerns. 

I believe that I have been the victim of a bait-and-switch, in which I was offered unrealistically good terms in order to ensure that I would file a mortgage application with LoanDepot instead of a competitor, but at the end of the process, after I had invested substantial time and resources, LoanDepot switched the loan terms to be unfavorable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Experian Information Solutions 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:
I have an auto loan with XXXX XXXX XXXX XXXX that I was never late with. 
At the end of XXXX, the President enforced a government shutdown that impacted millions of small businesses and thousands of XXXX veteran/XXXX XXXX like mine. Invoices that we had submitted in XXXX, XXXX, XXXX and XXXX were not honored until almost mid XX/XX/XXXX. 
When I realized our invoices would be not be honored and we were pulled off projects I reached out to all my debt holders - XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX  XXXX XXXX, and all worked with me. I not only wrote letters but called or visited in person those I owed. One of those was XXXX XXXX XXXX XXXX. I went to their XXXX, CA office and with their manager called in to XXXX home office and the XXXX agreed to not place anything negative on our credit report. They said I had an outstanding payment record prior and they were working with all their veterans to ensure they were not harmed due to the government shutdown. Once we were paid in XXXX, I made up the back payments and have not been late since. But learned this year, XXXX did in fact post a negative on my report. I wrote then two certified letters. I went to their office. I called. I emailed. And I only get one paragraph reponses. They have taken over 30 days to respond to my letters and when I called last week, they say they had no records of my calls or emails. When I was in the office with my complain others were there also with the same issues. This is not right. I sent a certified letter to the President of XXXX that was five pages long in detail. I get one paragraph letter by from someone in Risk Management and when I attempted to call or email this person, the number didnt work and they had no email from him. Before that I received a letter from a woman and again the telphone number was bogus. This week I got an email saying they would investigate again, but no contact information. Something must be done to punish XXXX for being sloppy in responding and not keeping their word.

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 2019-06-21
Company: EQUIFAX, INC.
State: CA
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 am currently working on buying a home and Equifax is unable to produce a credit report for me. This is very frustrating because I have called them numerous times and attempted to fix this. Equifax claims they can not find a credit report for me, even though I have provided copies of my personal information. This is holding up my real estate transaction and is costing me a lot of money. The mortgage lender was able to pull my credit reports through XXXX  and XXXX. I have accounts through major banks like XXXX XXXX, XXXX XXXX  and XXXX. They report to all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX   : XXXX. There are also a number of inquiries on my credit that I did not approve : 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 XXXX XXXX XXXX XXXX XXXX  There are several XXXX however I did authorize only 1  XXXX inquiry.

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 2018-11-08
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:
The continue to report information on my credit report that is not mine. ( Identity theft ). They responded to my request for validation as { account verified ) but did not send me any information verifying the debt. I requested an original contract or any information that they could send me proving that the account belonged to me, and not just bared my name. I am a victim of identity theft. They continue to report collection account that is not mine. I have sent them multiple requests to validate these accounts and send me verification of it, yet they choose not to. They send letters saying the debt has been verified by a collection agency as being mine, but IT IS NOT MINE. The collection agency is XXXX XXXX as well as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
personal info is in correct addresses I never lived and names i never used

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 2019-06-21
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the date below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Midwest Recovery Systems
State: PA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have tried to contact Midwest recovery Systems, on several occasions one on XX/XX/XXXX and then again on XX/XX/XXXX and both times I requested to talk to a supervisor and both times I was transferred to a voice mail and I have left a message both times with no return call, the alleged debt is for {$260.00} and Midwest received it on XX/XX/XXXX and on XX/XX/XXXX was reported to my credit report, I was never notified regarding this alleged debt from 2015 is when Midwest is saying it was originally from. I have requested verification on the debt but Midwest never verified my address in order to send the verification of the debt too

Company response to consumer: Closed with explanation