BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-06
Company: EQUIFAX, 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 status incorrect

Complaint:
I canceled XXXX I had paid up to the to the last day and then returned all the equipment additionally I provided receipts showing that the equipment was received yet XXXX insists on taking for me an extra {$350.00} above and beyond the outrageous hordes of money we paid for them every single month. This is a billing error, and they do not do anything to satisfy this oversight. I have all of my receipts including the receipts for the returned equipment I paid in a timely manner and they are ruining my credit and causing me to get much higher interest rates and I refuse to pay them {$350.00} extra for something I never used. They feel they have a monopoly and they can do whatever they want with their clients it is they Husserl me {$350.00} for the amount of years that I had their service and the Internet never worked. But I did pay every month on time outrageously inflated charges which is a common practice for them when they have a customer for many years they keep raising the rate so I drop them and they invented the {$350.00} charge this should be illegal and I need your help thank you so much all the best XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX and I entered an agreement to settle a charged off account for the amount of {$3000.00} at {$250.00} a month. My balance is now {$2200.00} however XXXX will not update my credit report to reflect the payments and agreement. They are however reporting nothing has been paid each month. This is an unfair practice. If they have time to report nothing has been paid, they have time to show current payments and an updated balance. It currently has my balance as the same even though I make monthly payments.I was told nothing would be changed until my final payment however my credit report is stating I have made no payments or that no effort is being made which is simply not true.

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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi This is XXXX XXXX, I have sent you a dispute letter XX/XX/2021, but to this day, over XXXX months have passed but I still have not heard anything from you. I am attaching the same letter for you to see and you may wan na check your records. I need this messed to be removed from my report so please do investigate them and delete if you can not provide me proof the support those claims. I will check with you after XXXX days, 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 non-monetary relief
Consumer complaint received 2019-06-02
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following account was removed from my credit report because it was proven to be the result of fraud. Now I am being contacted by the original credit, which I did not authorize to begin with, and a collection agency saying that I owe the debt and that the debt was sold to the collection agency. This is a huge violation. I have attached proof below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07
Company: Security Credit Services, LLC
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 information incorrect

Complaint:
submitted Deputies and verification of debt VIA Certified mail on XX/XX/XXXX along with a settlement of debt offer to companies listed below Via certified mail, see USPS Receipts. 

None of the companies listed below have responded to the 15 day requested time frame Per the Fair Debt Collection Practices act and are still actively reporting negative debt on my credit report. 

XXXX  - XXXX XXXX XXXX XXXX - amount stated owed {$560.00} Credit limit was {$300.00} paid. Unsure how {$560.00} is falsely being reported and no information will be returned or has been verified by company. 
XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXamount stated owed- {$670.00} XXXX XXXX XXXX I believe amount was paid being that on another report it shows paid in full. No response back from company for debt validation or Debt settlement offer response .XXXX Dispute report # XXXX shows the XXXX/MC # XXXX Paid in full and acct closed by me XX/XX/XXXX. 


XXXX XXXX XXXX - Amounts have conflicted info on reports {$580.00}, {$720.00} acct # XXXX This collector agency has been deleted from XXXX conformation # XXXX due to unable to verify debt but still reporting on XXXX, and XXXX. 

XXXX XXXX- Amount stated owed {$1200.00} acct # XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX CC used was not me, I asked them to provide validation of debt that it was me that used the CC. The cc was used for a denture company whom was not me, I also sent a Settlement offer letter agreeing to pay a refused amount of XXXX for deletion. No response back to both requests. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - {$7000.00} acct # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX GAXXXX- {$7400.00} acct # XXXX Both companies reporting same debt and conflicting amounts owed, also XXXX reports same acct as paid in full, and {$0.00} owed under same acct # XXXX. Report attached. 

Security Credit Services - XXXX XXXX XXXX XXXX XXXX, MS XXXX {$580.00} Both companies XXXX XXXX XXXX XXXX Security Credit services are reporting same account on my credit report. No response back for Debt verification and Settlement offer sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Applied for Bank of America credit card and was denied for reasons not described in conditions on their application. I was denied because I didnt bank at Bank of America. The application did not state that I had to have an open checking or savings account at Bank of America to be approved for the credit card. The denial lowered my credit score along with the hard inquiry for the card they were not going to approve even with my excellent credit score.

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 2021-02-10
Company: PRESTIGE FINANCIAL SERVICES INC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased the XXXX XXXX XXXX in XX/XX/XXXX for my ex-husband. In XXXX we separated and he could no longer pay we called for the vehicle to be picked up and it was repossessed in XX/XX/XXXX. At the time I owed just over {$13000.00}. In XXXX XXXX XXXX reached out to me and said I owed over {$30000.00} they said they could charge interest continuously even though they had already had a car and even though they had sold it to someone else. Towards the end of XXXX I obtain an attorney regarding this matter well in XX/XX/XXXX I was diagnosed with XXXX and I took a leave from work so I was no longer able to pay the attorney and not working so in XX/XX/XXXX XXXX XXXX obtained a judgment against me because I could not make it to court. I just return to work XX/XX/XXXX and yesterday I received a letter stating they I tried to garnish my wages now for an additional {$11000.00} interest so now they want over {$41000.00}! I cant understand why interest is continuing to accrue when theyve had the car back since XXXX and sold it to someone else actually. I also was never even credited for that sale These are unfair practices by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: EQUIFAX, 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 am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This complaint is in regard to PayPal and my financial institution, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. Neither has made themselves available to help me. 
On XX/XX/2020, I authorized a transfer of {$200.00} from my PayPay account to a friend 's e-mail account. No purchases were involved. The money was a gift to a friend in financial need. Unknown to me at the time, she had closed her account months earlier. Furthermore, she never had a PayPal account.

PayPal had the money sent from my checking account at the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. PayPal documented the payment as completed, however, to this day, the money has not been claimed by my friend nor has it been returned to my account.

I have not been able to speak to anyone at PayPal. I have submitted an inquiry and other correspondence via their Message and Help Center
s and have received generic, automated responses. I have spoken with two XXXX XXXX XXXX  managers who said I must pursue PayPal. They  refuse to get involved despite having made the transfer from my account. 

This is crazy. There is {$200.00} floating somewhere after almost 60 days. Would you please advise me as to any recourse I might have. Shouldn't someone at my bank at least be curious enough to want to help figure this out?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
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:
Account that was closed is showing open and is also showing that I owe money and I missed payments. My credit score dropped severely in addition to my the credit bureaus are showing that I have a debt that was already paid.

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 2021-02-04
Company: FC HoldCo 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: Information belongs to someone else

Complaint:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX XXXX  XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX  Open date XXXX XX/XX/XXXX XXXX XXXX XXXX  Open date XXXX XX/XX/XXXX XXXX  Open date XXXX XX/XX/XXXX Flagship credit accept Open date XXXX XX/XX/XXXX XXXX XXXX XXXX  Open date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX Enclosed is a copy of my Identity Theft Report, supporting my position.

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 2023-03-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The following payment history is reporting in inaccurate on all three credit bureaus every month cause a extreme effect on my credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
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:
MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NOT BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: MO
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:
This letter is in response to your recent claim that that the below acccounts has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 Wells Fargo Bank closed my account without properly notifying me. I have been hospitalized since XX/XX/2020 and am currently still in the hospital battling for my life. I never overdrawn my account. I was laid off due to a 14 day self quarantine and had to pull money from my savings to my checking to feed my kids and accessed fees. I really need my account and have a wells fargo paycheck to deposit since I am a XXXX. My job was supposed to direct deposit my check but that never happened. I just need my account back opened and fixed. Right now I am in the hospital and can not physically walk my check in. Which would have been deposited on the XXXX of XXXX if I was not in the hospital at this time. I have been in the hospital the last 23 days. I am at XXXX hospital in XXXX XXXX and my room number is XXXX. Phone number XXXX please feel free to verify if needed.

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 2020-09-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The first time select portfolio servicing miss appropriated the principle funds on my Account was The First Payment in XXXX. They did not pay on the Principle. They held the payment for more than 5 Days. Posted it late. Then they sent me a letter about setting up an Escrow Account as an Excuse. This theft pays out for the life of the loan. SPS is still stealing from me on this one. 
The second time sps miss appropriated the Funds on My Account was/is 6 months later. They modified the payout without notice or permission. Sent Me a Statement for 2 months only one payment and did not make the correct payment on the principle. Basically, It says. Don't worry about paying the XXXX payment. Pay XXXX and We'll only charge XXXX $ plus Your regular payment. I called them XXXX. I was told to call back in a couple of weeks to see if it's fixed. Two Times in 6 Months. 
They ASSUME EveryBody has a Computer. Sps has sent me several demand letters for asking for Proof of Insurance Coverage and  threatened to charge my Account XXXX $ for Insurance. My Home was/is Insured. I called the Insurance Company for Them. Told them to Fax Them the Policy had been Changed to sps on XX/XX/XXXX. On XX/XX/XXXX I get another Demand Letter Demanding written authorization signed by all signers of the original mortgage documents which states that you would like to set up and Escrow Account And Copies of current property tax and hazard insurance billing statements showing that these Items have been paid in full for the next ( 12 ) months. Evidence may be in the form of A. A paid in full receipt or B Front and back copies of your checks used to pay the Item in full. That's Verbatum to the Demand Letter. My Account had an Escrow Account when They took It over. 
They can't get the statements out in a reasonable amount of time and are trying to force me to pay late penalties. I've had to call sps more than 10 Times in 6 Months spending a lot of My Time dealing with their Demands. I've also E-mailed Them a couple of Times. I sent a Written Notice of Error on XXXX sps has Pressured Me EXTREMELY HARD for Online Payments. 
My Account. The Account sps acquired from XXXX XXXX Manufactured Housing has/had an Escrow Account Set Up. I did not borrow money  from sps. 
It's XXXX around XXXX XXXX Central USA Time and I'm Posting This. sps has not called me back or e-mailed me back with news that My Account has been corrected. 
sps has done this and other things to people on many other acquired Loans. They have not stopped stealing from People.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX Acct # XXXX  The information being reported on credit report is still inaccurate! I have filed an initial dispute then another dispute TWICE with EQUIFAX about the same information and they updated the information again with INACCURATE information is still INCORRECT. The information is affecting my credit score negatively and I DEMAND THIS ACCOUNT BE REMOVED FROM MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
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: Account information incorrect

Complaint:
XXXX XXXX XXXX has reported a collection on my credit report that was paid by my insurance company. The orginal collector is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has been reported by mistake.

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 2021-03-26
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I learned that I am a victim of identity theft in XX/XX/XXXX. I've lived overseas all my life and just moved back to the states in XX/XX/XXXX. When I went to open a bank account at XXXX, I was told that someone has already opened an account in my name. It wasn't me. I followed all the steps and notified all credit bureaus, but Equifax was the only one I couldn't get through to. When I did manage to talk to a rep, we would get to the personal information confirmation stage and they would ask me questions like " what is your credit limit for such-and-so credit card you applied for? '' but I never applied for such credit cards. I suspect that Equifax has treated some fraudulent accounts or credit lines opened in my name as real ones, and set those as my security questions, so of course, I can't answer them. This was frustrating, but I found comfort in that the other two bureaus would notify Equifax to put a fraud alert on my account. But apparently, Equifax did not do so, because today I received a letter in the mail saying that my application for a XXXX Visa card was rejected due to a low credit score. The credit bureau they went through was Equifax. I received no phone call or email when someone tried to apply for this credit card in my name. If Equifax had done its job and placed an alert on my account, I should have received a call. I tried calling Equifax four times today. The first time the rep said that their system was down and I'd have to call later. I'd already been on hold for an hour. The second and third time, I was cut-off mid-call while verifying my personal identity with the reps. The third time, I was told again that Equifax is having technical issues. How is this acceptable? I feel completely helpless as a consumer because I can't reach them online or by phone. Even when I do get to talk to a rep the call is always cut off halfway. This is criminal and Equifax should be held accountable. Because I can't get in touch with Equifax, the fraudsters just keep opening up new accounts and trashing my credit score. I've spend countless hours trying to save my identity to no avail. I can't sleep properly, I can't spend time with my family, I can't work. Identity theft ruins lives, and the least Equifax could do is show some responsibility after that XXXX data breach. Becasue of my trashed credit score, I probably can't buy a house, which I was planning to do in the next two years. I'm so beat up now that I'm seriously considering just leaving the US for good.

Company response to consumer: Closed with explanation